5316 Mill Stream Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5316 Mill Stream Dr, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	6 Beds
Bathrooms	4 Baths
Year Built	Built 1997
Square Footage	3,099 sqft Heated Area
Lot Size	54,232 sqft (1.24 acres)
Occupancy	Owner Occupied
Last Sale	$469,900 (2015)
Tax Bill	$5,202.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`90654`
Alternative APN	`092531415600010230`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Building Area	3,099 sqft Heated Area
Gross Area	4,720 sqft Gross Area
1st Floor	3,099 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1997
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	54,232 sqft (1.24 acres)
Depth X Width	212 ft x 109 ft Depth x Width
Parking Spaces	4 Parking Spaces
Garage Type	Detached - Finished Garage
Garage Area	470 sqft Garage

Exterior Amenities

Pool Area	450 sqft Pool
Deck Area	670 sqft Deck
Porch	Open Porch
Porch Area	469 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	90654
Street Address	5316 MILL STREAM DR
City	SAINT CLOUD
State	FL
Zip	34771-8710
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	MILL STREAM ESTATES PB 6 PG 95-97 LOT 23
Legal Range	31E
Legal Township	25S
Legal Section	09
Legal Subdivision	MILL STREAM ESTATES
Legal Tract	4156
Legal Block	1
Legal Lot Number	23
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1018
Census Tract	43700

Owner

Source: Osceola County records · APN 90654

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	5316 MILL STREAM DR, SAINT CLOUD, FL 34771-8710
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 21, 2015 · Amount on Record
Deed Sale	Jul 21, 2015 · Amount on Record
Deed Doc Number	2015104776
Deed Book / Page	4812 / 1102
Record Refreshed	Jun 08, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5316 MILL STREAM DR, SAINT CLOUD, FL 34771-8710
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5316 MILL STREAM DR, SAINT CLOUD, FL 34771-8710

Mortgage

Document Number	0060420251
Date	Sep 13, 2021
Book Page	6042/251
Instrument	2021141701

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 01, 2036

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,202.00 (+6.86%) Homeowner's exemption	$364,898 (+5.99%)	$769,100 (+30.14%) Land $104,000 Building $665,100
2023	$4,868.00 (+3.86%) Homeowner's exemption	$344,287 (+3%)	$591,000 (+13.96%) Land $91,000 Building $500,000
2022	$4,687.00 Homeowner's exemption	$334,260	$518,600 Land $91,000 Building $427,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	61.1 ft

Wildfire

Wildfire Risk	Moderate above 62% of the US · above 36% of Florida
Wildfire Likelihood	About 1 in 592 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.