5301 Costa del Sol Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5301 Costa del Sol Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,092 sqft · built 2017
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$286,700 (Dec 2017)
Tax Bill	$712 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Aug 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-25-31-4264-0001-0080`

Property Details

APN / Parcel Number

Primary APN	`21-25-31-4264-0001-0080`
Alternative APN	`253121426400010080`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,092 sqft Living Area
Gross Area	2,687 sqft
1st Floor Area	2,092 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	175 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5301 COSTA DEL SOL DR
City	SAINT CLOUD
State	FL
Zip	34771-7559
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NARCOOSSEE DEL SOL PB 25 PGS 151-154 LOT 8
Legal Range	31E
Legal Township	25S
Legal Section	21
Legal Subdivision	NARCOOSSEE DEL SOL
Legal Block	80
Legal Lot Number	8
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1052
Census Tract	43700

Owner

Source: Osceola County records, as of July 14, 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 File
Mailing Address	5301 COSTA DEL SOL DR, SAINT CLOUD, FL 34771-7559
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF VETERANS AFFAIRS
Aug 1, 2019	Loan Modification, Mortgage · Conventional with PMI M&I FIN'L
Dec 4, 2017	Warranty Deed, Subdivision Related Transfer · VA Mortgage M&I FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2017 · Amount on File
Deed Sale	Dec 4, 2017 · Amount on File
Deed Document Number	2017171603
Deed Book / Page	5247 / 2593
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5301 COSTA DEL SOL DR, SAINT CLOUD, FL 34771-7559
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5301 COSTA DEL SOL DR, SAINT CLOUD, FL 34771-7559

Mortgage

Document Number	0060901163
Date	Nov 19, 2021
Book Page	6090/1163
Instrument	2021179865

Lender

Name	DEPARTMENT OF VETERANS AFFAIRS
Type	Government Agency
Address	NASHVILLE, TN 37203

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	5301 COSTA DEL SOL DR, SAINT CLOUD, FL 34771-7559
Document Number	0055862465
Instrument Date	Aug 1, 2019
Transaction Type	Mortgage
Record Updated	Sep 20, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5301 COSTA DEL SOL DR ST CLOUD FL 347717559, ST CLOUD, FL 34771-7559

Mortgage

Document Number	0055862465
Date	Sep 10, 2019
Book Page	005586/002465
Instrument	116578

Lender

Name	M&I FIN'L
Type	Funding / Finance Company
Address	EWING, NJ 08618

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 9, 2049

Interest

Rate Type	Fixed Rate
Rate	4.25%

December 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 4, 2017
Property Address	5301 COSTA DEL SOL DR, SAINT CLOUD, FL 34771-7559
Document Number	0052472593
Book / Page	005247 / 002593
Instrument Date	Nov 29, 2017
Instrument	171603
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 3, 2018
Title Company	M/I TITLE AGENCY LIMITED LC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,006.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5301 COSTA DEL SOL DR ST CLOUD FL 347717559, ST CLOUD, FL 34771-7559

Mortgage

Document Number	52472594
Date	Dec 4, 2017
Book Page	005247/002594
Instrument	171604

Lender

Name	M&I FIN'L
Type	Funding / Finance Company
Address	COLUMBUS, OH 43219

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 3, 2047

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$712.00 (+14.65%) Homeowner's exemption Veteran's exemption	$287,976 (+5.99%)	$370,800 (+0.65%) Land $75,000 Building $295,800
2023	$621.00 (-82.9%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$271,710 (+3%)	$368,400 (+20.91%) Land $60,000 Building $308,400
2022	$3,632.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$263,797	$304,700 Land $50,000 Building $254,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 File median of 330 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	330 in force
Nearby Flood Claims	18 (2004–2022)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 61% of the US · lower than 64% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TWA SUNBRIDGE WATER TREATMENT PLANT public/private · serves 542 people · EPA ID FL3494439
Water Source	Groundwater
Last State Inspection	Jan 2025
Also Mapped Here	TOHO WATER AUTHORITY-POINCIANA SYSTEM
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 363 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile, Xfinity.

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