Osceola County property record for 5320 Mill Stream Dr, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1992 |
| Square Footage | 2,480 sqft Heated Area |
| Lot Size | 59,939 sqft (1.37 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $520,000 (2021) |
| Tax Bill | $6,050.00 (2025) |
| Primary APN | 90655 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,480 sqft Heated Area |
| Gross Area | 3,491 sqft Gross Area |
| 1st Floor | 2,480 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1992 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 59,939 sqft (1.37 acres) |
| Depth X Width | 215 ft x 105 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 600 sqft Garage |
| Pool Area | 282 sqft Pool |
|---|---|
| Deck Area | 588 sqft Deck |
| Porch | Open Porch |
| Porch Area | 411 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 90655 |
|---|---|
| Street Address | 5320 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 24 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 09 |
| Legal Subdivision | MILL STREAM ESTATES |
| Legal Tract | 4156 |
| Legal Block | 1 |
| Legal Lot Number | 24 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1018 |
| Census Tract | 43700 |
Source: Osceola County records · APN 90655
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 | 5320 MILL STREAM DR, SAINT CLOUD, FL 34771-8710 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINT MORTGAGE INC |
| Jul 01, 2021 | Warranty Deed, Transfer WATSON TITLE SERVICES INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 01, 2021 · Amount on Record |
| Deed Sale | Jul 01, 2021 · Amount on Record |
| Prior Sale | Nov 23, 2016 · Amount on Record |
| Deed Doc Number | 2021103206 |
| Deed Book / Page | 5993 / 2945 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5320 MILL STREAM DR, SAINT CLOUD, FL 34771-8710 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 5320 MILL STREAM DR, SAINT CLOUD, FL 34771-8710 |
| Document Number | 0060252426 |
|---|---|
| Date | Aug 19, 2021 |
| Book Page | 6025/2426 |
| Instrument | 2021128656 |
| Name | NORTHPOINT MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | FISKDALE, MA 01518 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 01, 2021 |
| Property Address | 5320 MILL STREAM DR, SAINT CLOUD, FL 34771-8710 |
| Document Number | 0059932945 |
| Book / Page | 5993 / 2945 |
| Map Reference | MB 6 PG 95-97 |
| Instrument Date | Jun 22, 2021 |
| Instrument | 2021103206 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | WATSON TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,640.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7660 HARRINGTON LN, BRADENTON, FL 34202-4085 |
| Name | Verified Name |
|---|---|
| Address | 6320 MILL STREAM DRIVE, SAINT CLOUD, FL 34771 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $6,050.00 (+6.61%) Homeowner's exemption | $426,136 (+5.99%) | $582,500 (+28.81%) Land $104,000 Building $478,500 |
| 2023 | $5,675.00 (+3.73%) Homeowner's exemption | $402,066 (+3%) | $452,200 (+12.8%) Land $91,000 Building $361,200 |
| 2022 | $5,471.00 Homeowner's exemption | $390,356 | $400,900 Land $91,000 Building $309,900 |
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
| 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 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.
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