5325 Costa del Sol Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5325 Costa del Sol Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,092 sqft · built 2019
Lot Size	0.13 acres (5,662 sqft)
Owner	Individual Name on File
Last Sale	$316,565 (Jun 2019)
Tax Bill	$4,354 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Jul 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-25-31-4264-0001-0590`

Property Details

APN / Parcel Number

Primary APN	`21-25-31-4264-0001-0590`
Alternative APN	`253121426400010590`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,092 sqft Living Area
Gross Area	2,741 sqft
1st Floor Area	2,092 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Concrete Block/Stucco
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,662 sqft (0.13 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished/Open Porch
Porch Area	229 sqft
Patio Area	450 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5325 COSTA DEL SOL DR
City	SAINT CLOUD
State	FL
Zip	34771-7561
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NARCOOSSEE DEL SOL PB 25 PGS 151-154 LOT 59
Legal Range	31E
Legal Township	25S
Legal Section	21
Legal Subdivision	NARCOOSSEE DEL SOL
Legal Block	590
Legal Lot Number	59
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1053
Census Tract	43700

Owner

5325 Costa del Sol Dr is owned and occupied by an individual who bought it in June 2019.

Source: Osceola County records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	107 W 15TH AVE, ESCONDIDO, CA 92025-5765
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2023	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Jul 7, 2022	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Jun 27, 2019	Grant Deed, Subdivision Related Transfer · FHA Mortgage M&I FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2019 · Amount on File
Deed Sale	Jun 27, 2019 · Amount on File
Prior Sale	Dec 31, 1998 · Amount on File
Deed Document Number	201982976
Deed Book / Page	5548 / 502
Prior Transfer Date	Jan 3, 1997
Prior Transfer Doc	1379002901
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5325 COSTA DEL SOL DR, SAINT CLOUD, FL 34771-7561
Transaction Type	Mortgage
Record Updated	Aug 7, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5325 COSTA DEL SOL DR, SAINT CLOUD, FL 34771-7561

Mortgage

Document Number	0064431945
Date	Jul 20, 2023
Book Page	6443/1945
Instrument	2023093778

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	312 Months
Due	Jul 1, 2049

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5325 COSTA DEL SOL DR, SAINT CLOUD, FL 34771-7561
Transaction Type	Mortgage
Record Updated	Jul 19, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5325 COSTA DEL SOL DR, SAINT CLOUD, FL 34771-7561

Mortgage

Document Number	0062462994
Date	Jul 7, 2022
Book Page	6246/2994
Instrument	2022105094

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	324 Months
Due	Jul 1, 2049

June 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 27, 2019
Property Address	5325 COSTA DEL SOL DR, SAINT CLOUD, FL 34771-7561
Document Number	0055480502
Book / Page	005548 / 000502
Instrument Date	Jun 26, 2019
Instrument	82976
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 11, 2019
Title Company	M/I TITLE AGENCY LIMITED LC, M/I TITLE AGENCY LTD LC

Transaction

Amount	Amount on Record
Tax	$115.96
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5325 COSTA DEL SOL DR ST CLOUD FL 347717561, ST CLOUD, FL 34771-7561

Mortgage

Document Number	55480504
Date	Jun 27, 2019
Book Page	005548/000504
Instrument	82977

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 26, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 5325 Costa del Sol Dr was $4,354 with a homeowner's exemption, up 4.9% from the year before.

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	$4,354.00 (+4.94%) Homeowner's exemption	$303,735	$379,800 Land $75,000 Building $304,800
2024	$4,149.00 (+2.12%)
2023	$4,063.00 (+4.07%) Homeowner's exemption	$286,578 (+3%)	$378,200 (+20.48%) Land $60,000 Building $318,200
2022	$3,904.00 Homeowner's exemption	$278,232	$313,900 Land $50,000 Building $263,900

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

Flood

FEMA maps place 5325 Costa del Sol Dr in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 2004.

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

Wildfire risk around 5325 Costa del Sol Dr is high, ranking above 72% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 72% of the US · above 55% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct 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 System	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
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.

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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