Osceola County property record for 5345 Mill Stream Dr, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1992 |
| Square Footage | 1,959 sqft Heated Area |
| Lot Size | 21,824 sqft (0.501 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $269,500 (2017) |
| Tax Bill | $4,100.00 (2025) |
| Primary APN | 90667 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,959 sqft Heated Area |
| Gross Area | 2,962 sqft Gross Area |
| 1st Floor | 1,959 sqft 1st Floor |
| Stories | 1 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1992 |
|---|---|
| Exterior Material | Stucco Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 21,824 sqft (0.501 acres) |
| Depth X Width | 162 ft x 134 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 704 sqft Garage |
| Pool Type | Spa/Hot Tub (Only) Pool Type |
|---|---|
| Pool Area | 55 sqft Pool |
| Fence | Fence |
| Deck Area | 505 sqft Deck |
| Porch | Open Porch |
| Porch Area | 299 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 90667 |
|---|---|
| Street Address | 5345 MILL STREAM DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8720 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | MILL STREAM ESTATES PB 6 PG 95-97 LOT 36 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 09 |
| Legal Subdivision | MILL STREAM ESTATES |
| Legal Tract | 4156 |
| Legal Block | 1 |
| Legal Lot Number | 36 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1018 |
| Census Tract | 43700 |
Source: Osceola County records · APN 90667
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 | 5345 MILL STREAM DR, SAINT CLOUD, FL 34771-8720 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 12, 2024 | Deed of Trust, Mortgage · Line of Credit JACKSON FLAGSTAR CENTRE OFFICE |
| Oct 28, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Feb 06, 2017 | Warranty Deed, Transfer · Conventional Mortgage RP FUNDING INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 06, 2017 · Amount on Record |
| Deed Sale | Feb 06, 2017 · Amount on Record |
| Prior Sale | Jul 26, 2000 · Amount on Record |
| Deed Doc Number | 2017019694 |
| Deed Book / Page | 5097 / 2095 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5345 MILL STREAM DR, SAINT CLOUD, FL 34771-8720 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | BOSTON NATIONAL TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 5345 MILL STREAM DR, SAINT CLOUD, FL 34771-8720 |
| Document Number | 0065481427 |
|---|---|
| Date | Feb 12, 2024 |
| Book Page | 6548/1427 |
| Instrument | 2024018452 |
| Name | JACKSON FLAGSTAR CENTRE OFFICE |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5345 MILL STREAM DR, SAINT CLOUD, FL 34771-8720 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0056122624 |
|---|---|
| Date | Oct 28, 2019 |
| Book Page | 5612/2624 |
| Instrument | 2019139048 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 06, 2017 |
| Property Address | 5345 MILL STREAM DR, SAINT CLOUD, FL 34771-8720 |
| Document Number | 0050972095 |
| Book / Page | 5097 / 2095 |
| Map Reference | MB6 PG95-97 |
| Instrument Date | Feb 03, 2017 |
| Instrument | 2017019694 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,886.50 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1200 HEMINGWAY PL APT 203, 1200, CELEBRATION, FL 34747-5394 |
| Name | Verified Name |
|---|---|
| Address | 5345 MILL STREAM DR, SAINT CLOUD, FL 34771-8720 |
| Document Number | 0050972098 |
|---|---|
| Date | Feb 06, 2017 |
| Book Page | 5097/2098 |
| Instrument | 2017019695 |
| Name | RP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | MAITLAND, FL 32751 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2047 |
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 | $4,100.00 (+7.3%) Homeowner's exemption | $285,366 (+5.99%) | $476,800 (+28.55%) Land $80,000 Building $396,800 |
| 2023 | $3,821.00 (+4.17%) Homeowner's exemption | $269,247 (+3%) | $370,900 (+12.74%) Land $70,000 Building $300,900 |
| 2022 | $3,668.00 Homeowner's exemption | $261,405 | $329,000 Land $70,000 Building $259,000 |
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 X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 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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