Osceola County property record for 5324 Mill Stream Dr, Saint Cloud, FL 34771 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1992 |
| Square Footage | 2,093 sqft Living Area |
| Lot Size | 66,429 sqft (1.52 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $378,000 (2019) |
| Tax Bill | $7,136.00 (2024) |
| Primary APN | 09-25-31-4156-0001-0250 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,093 sqft Living Area |
| Gross Area | 2,989 sqft Gross Area |
| 1st Floor | 2,093 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Wood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Concrete Block Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 66,429 sqft (1.52 acres) |
| Depth X Width | 179 ft x 126 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 552 sqft Garage |
| Pool Type | In-Ground Pool Pool Type |
|---|---|
| Pool Area | 450 sqft Pool |
| Shed | 1 Shed |
| Shed Area | 96 sqft Shed |
| Deck Area | 475 sqft Deck |
| Porch Area | 344 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 5324 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 25 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 09 |
| Legal Subdivision | MILL STREAM ESTATES |
| Legal Tract | 4156 |
| Legal Block | 250 |
| Legal Lot Number | 25 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1018 |
| Census Tract | 43700 |
Source: Osceola County records · APN 09-25-31-4156-0001-0250
Assessment roll updated November 26, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5324 MILL STREAM DR, SAINT CLOUD, FL 34771-8710 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 10, 2026 | Deed of Trust, Mortgage · Conventional Mortgage STANDARD MORTGAGE CAPITAL LLC |
| May 21, 2019 | Warranty Deed, Transfer · Conventional Mortgage ACC MORTGAGE INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 21, 2019 · Amount on Record |
| Deed Sale | May 21, 2019 · Amount on Record |
| Deed Doc Number | 201965016 |
| Deed Book / Page | 5527 / 1011 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5324 MILL STREAM DR, SAINT CLOUD, FL 34771-8710 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2026 |
| Name | Verified Name |
|---|---|
| Address | 5324 MILL STREAM DR, SAINT CLOUD, FL 34771-8710 |
| Document Number | 0069340013 |
|---|---|
| Date | Mar 10, 2026 |
| Book Page | 6934/13 |
| Instrument | 2026030681 |
| Name | STANDARD MORTGAGE CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT LAUDERDALE, FL 33324 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 21, 2019 |
| Property Address | 5324 MILL STREAM DR, SAINT CLOUD, FL 34771-8710 |
| Document Number | 0055271011 |
| Book / Page | 5527 / 1011 |
| Map Reference | MB 6 PG 95 |
| Instrument Date | May 17, 2019 |
| Instrument | 2019065016 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,646.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 161 TEAM DRIVE, 161, ELIZABETH CITY, NC 27909 |
| Name | Verified Name |
|---|---|
| Address | 5324 MILL STREAM DR, SAINT CLOUD, FL 34771-8710 |
| Document Number | 0055271012 |
|---|---|
| Date | May 21, 2019 |
| Instrument | 5527/1012 |
| Name | ACC MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2049 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| 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 | $7,618.00 (+6.75%) | $525,600 (+28.45%) Land $104,000 Building $421,600 | $525,600 (+28.45%) Land $104,000 Building $421,600 |
| 2024 | $7,136.00 (+14.34%) | ||
| 2023 | $6,241.00 (+10.56%) | $409,200 (+12.39%) Land $91,000 Building $318,200 | $409,200 (+12.39%) Land $91,000 Building $318,200 |
| 2022 | $5,645.00 | $364,100 Land $91,000 Building $273,100 | $364,100 Land $91,000 Building $273,100 |
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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