Osceola County property record for 5301 Bowspirit Way, Saint Cloud, FL 34771
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $530,000 (Apr 2026) |
| Tax Bill | $2,111 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-25-31-0945-0001-2050 |
| Primary APN | 29-25-31-0945-0001-2050 |
|---|---|
| Alternative APN |
|
| Lot Area | 6,534 sqft (0.15 acres) |
|---|
| Street Address | 5301 BOWSPIRIT WAY |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-6911 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Legal Description | WATERS AT CENTER LAKE RANCH PH 1B PB 35 PGS 161-174 LOT 205 |
| Legal Subdivision | WATERS AT CENTER LAKE RANCH PHASE 1B |
| Legal Lot Number | 205 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 43700 |
Source: Osceola County records, as of July 6, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 5301 BOWSPIRIT WAY, SAINT CLOUD, FL 34771-6911 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Apr 24, 2026 | Special Warranty Deed · Conventional Mortgage ROCKET MORTGAGE LLC |
| Apr 24, 2026 | Special Warranty Deed · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 24, 2026 · Amount on Record |
| Deed Sale | Apr 24, 2026 · Amount on Record |
| Deed Document Number | 202654542 |
| Deed Book / Page | 6960 / 2462 |
| Record Updated | Sep 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 24, 2026 |
| Property Address | 5301 BOWSPIRIT WAY, SAINT CLOUD, FL 34771-6911 |
| Document Number | 0000054542 |
| Book / Page | 6960 / 2462 |
| Instrument Date | Apr 23, 2026 |
| Instrument | 2026.54542 |
| Record Updated | May 4, 2026 |
| Title Company | INSURED TITLE, INSPIRED TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $374,710.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 5301 BOWSPIRIT WAY, SAINT CLOUD, FL 34771-6911 |
| Document Number | 0000054543, |
|---|---|
| Date | Apr 24, 2026 |
| Instrument | 2026..54543 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 24, 2026 |
| Property Address | 5301 BOWSPIRIT WAY, SAINT CLOUD, FL 34771-6911 |
| Document Number | 0069602462 |
| Book / Page | 6960 / 2462 |
| Instrument Date | Apr 23, 2026 |
| Instrument | 202654542 |
| Record Updated | Jul 6, 2026 |
| Title Company | INSPIRED TITLE SERVICES LLC, INSPIRED TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $374,710.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 5301 BOWSPIRIT WAY, SAINT CLOUD, FL 34771-6911 |
| Document Number | 0000054543, |
|---|---|
| Date | Apr 24, 2026 |
| Instrument | 202654543 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,111.00 | $66,000 Land $66,000 | $66,000 Land $66,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 70 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 70 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 78% of the US · above 66% of Florida |
|---|---|
| Wildfire Likelihood | 0.7% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Spectrum Fiber | 1,000 / 1,000 |
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