5348 Mill Stream Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5348 Mill Stream Dr, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 1991
Square Footage	2,667 sqft Heated Area
Lot Size	66,908 sqft (1.53 acres)
Occupancy	Owner Occupied
Last Sale	$683,400 (2023)
Tax Bill	$8,088.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`90662`
Alternative APN	`092531415600010310`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	1 Plumbing Fixtures
Building Area	2,667 sqft Heated Area
Gross Area	3,781 sqft Gross Area
1st Floor	2,667 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 1991
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	66,908 sqft (1.53 acres)
Depth X Width	239 ft x 124 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	630 sqft Garage

Exterior Amenities

Pool Area	28 sqft Pool
Fence	Fence
Shed	1 Shed
Shed Area	256 sqft Shed
Deck Area	570 sqft Deck
Patio Area	304 sqft Patio
Porch	Open Porch
Porch Area	484 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	90662
Street Address	5348 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 31
Legal Range	31E
Legal Township	25S
Legal Section	09
Legal Subdivision	MILL STREAM ESTATES
Legal Tract	4156
Legal Block	1
Legal Lot Number	31
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1018
Census Tract	43700

Owner

Source: Osceola County records · APN 90662

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	2 Individual Names on File
Mailing Address	5348 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	Verified Name on Deed
Last Sale	Nov 27, 2023 · Amount on Record
Deed Sale	Nov 27, 2023 · Amount on Record
Deed Doc Number	0065261326
Deed Book / Page	4744 / 1726
Prior Transfer Date	Mar 05, 2015
Prior Transfer Doc	2015031871
Record Refreshed	Jun 08, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5348 MILL STREAM DR, SAINT CLOUD, FL 34771-8710
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9936 SHADOW CREEK DR, ORLANDO, FL 32832-5635

Mortgage

Document Number	0065261328
Date	Dec 29, 2023
Book Page	6526/1328
Instrument	2023168763

Lender

Name	HOMETOWN EQUITY MORTGAGE
Type	Mortgage Company
Address	LAKE FOREST, CA 92630

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2054

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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,088.00 (+85.08%)	$532,400 (+72.52%) Land $104,000 Building $428,400	$532,400 (+12.44%) Land $104,000 Building $428,400
2023	$4,370.00 (+4%) Homeowner's exemption	$308,596 (+3%)	$473,500 (+12.68%) Land $91,000 Building $382,500
2022	$4,202.00 Homeowner's exemption	$299,608	$420,200 Land $91,000 Building $329,200

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.