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5309 Rochester Pl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5309 Rochester Pl, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,566 sqft · built 2020
Lot Size0.139 acres (6,098 sqft)
OwnerIndividual Name on File
Last Sale$320,900 (Mar 2020)
Tax Bill$4,689 (2025)
Deeds & MortgagesNov 2021 Mortgage
Mar 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN042631017300013000

Property Details

APN / Parcel Number

Primary APN042631017300013000

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,566 sqft Heated Area
Gross Area3,532 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,098 sqft (0.139 acres)
Garage TypeFinished
PorchOpen Porch
Patio Area380 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Street Address5309 ROCHESTER PL
CitySAINT CLOUD
StateFL
Zip34771-7679
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLANCASTER PARK EAST PH 2 PB 27 PGS 87-92 LOT 300
Legal Range31E
Legal Township26S
Legal Section04
Legal SubdivisionLANCASTER PARK
Legal Phase2
Legal Tract173
Legal Lot Number300
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3026
Census Tract43700

Owner

5309 Rochester Pl is owned and occupied by an individual who bought it in March 2020.

Source: Osceola County records, as of December 11, 2025

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 RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address5309 ROCHESTER PL, SAINT CLOUD, FL 34771-7679
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 18, 2021Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Mar 26, 2020Special Warranty Deed, Transfer · Conventional Mortgage
WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 26, 2020 · Amount on File
Deed SaleMar 26, 2020 · Amount on File
Deed Document Number2020043662
Deed Book / Page5699 / 1976
Record UpdatedJun 8, 2026

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5309 ROCHESTER PL, SAINT CLOUD, FL 34771-7679
Transaction TypeMortgage
Record UpdatedFeb 8, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address5309 ROCHESTER PL, SAINT CLOUD, FL 34771-7679

Mortgage

Document Number0060891175
DateNov 18, 2021
Book Page6089/1175
Instrument2021179073
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueNov 1, 2051

March 2020: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 26, 2020
Property Address5309 ROCHESTER PL, SAINT CLOUD, FL 34771-7679
Document Number0056991976
Book / Page5699 / 1976
Map ReferenceMB 27 PG 87
Instrument DateMar 25, 2020
Instrument2020043662
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyCALATLANTIC TITLE INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,246.30
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6750 FORUM DR STE 310, 6750, ORLANDO, FL 32821-8088

Transferred To (Grantee/Buyer)

NameVerified Name
Address5309 ROCHESTER PL, SAINT CLOUD, FL 34771-7679

Mortgage

Document Number0056991985
DateMar 26, 2020
Instrument5699/1985
Lender
NameWATERSTONE MORTGAGE CORP
TypeLending Institution
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueApr 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 5309 Rochester Pl was $4,689 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,689.00 Homeowner's exemption$304,900$400,500 Land $78,800 Building $321,700
2023$4,422.00 (+5.24%) Homeowner's exemption$287,678 (+4.49%)$422,100 (+15.52%) Land $68,200 Building $353,900
2022$4,202.00 Homeowner's exemption$275,319$365,400 Land $68,200 Building $297,200

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

Flood

FEMA maps place 5309 Rochester Pl in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 70 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies70 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.

Wildfire

Wildfire risk around 5309 Rochester Pl is high, ranking above 74% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire RiskHigh
above 74% of the US · above 60% of Florida
Wildfire Likelihood0.4% annual chance
ExposureDirect
burnable vegetation

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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 187 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: AT&T, CenturyLink, Xfinity.

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