5349 Mill Stream Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5349 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 1993
Square Footage	2,755 sqft Heated Area
Lot Size	21,867 sqft (0.501 acres)
Occupancy	Owner Occupied
Last Sale	$405,000 (2020)
Tax Bill	$5,691.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`90666`
Alternative APN	`092531415600010350`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Partial Baths	1 Partial Baths
Building Area	2,755 sqft Heated Area
Gross Area	3,939 sqft Gross Area
1st Floor	2,755 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1993
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	21,867 sqft (0.501 acres)
Depth X Width	196 ft x 115 ft Depth x Width
Parking Spaces	3 Parking Spaces
Garage Type	Finished Garage
Garage Area	825 sqft Garage

Exterior Amenities

Pool Area	448 sqft Pool
Deck Area	394 sqft Deck
Porch	Open Porch
Porch Area	359 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	90666
Street Address	5349 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 35
Legal Range	31E
Legal Township	25S
Legal Section	09
Legal Subdivision	MILL STREAM ESTATES
Legal Tract	4156
Legal Block	1
Legal Lot Number	35
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1018
Census Tract	43700

Owner

Source: Osceola County records · APN 90666

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
Co-owner	Verified Secondary Owner
Mailing Address	5349 MILL STREAM DR, SAINT CLOUD, FL 34771-8720
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Apr 02, 2024	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK CENTRAL FLORIDA
Aug 31, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Nov 17, 2020	Correction Deed FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 31, 2020 · Amount on Record
Deed Sale	Aug 31, 2020 · Amount on Record
Prior Sale	Mar 05, 2013 · Amount on Record
Deed Doc Number	0057841275
Deed Book / Page	5784 / 1275
Record Refreshed	Jun 08, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5349 MILL STREAM DR, SAINT CLOUD, FL 34771-8720
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5349 MILL STREAM DR, SAINT CLOUD, FL 34771-8720

Mortgage

Document Number	0065742916
Date	Apr 02, 2024
Book Page	6574/2916
Instrument	2024041336

Lender

Name	FIFTH THIRD BANK CENTRAL FLORIDA
Type	Bank
Address	5050 KINGSLEY DR, CINCINNATI, OH 45227

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Mar 25, 2054

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 31, 2020
Property Address	5349 MILL STREAM DR, SAINT CLOUD, FL 34771-8720
Document Number	0057841275
Book / Page	5784 / 1275
Map Reference	MB 6 PG 95-97
Instrument Date	Aug 31, 2020
Instrument	2020115128
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,835.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	984 OAKPOINT VIEW CT, 984, APOPKA, FL 32712-3708

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5349 MILL STREAM DR, SAINT CLOUD, FL 34771-8720

Mortgage

Document Number	57841277
Date	Aug 31, 2020
Instrument	5784/1277

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2050

November 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 17, 2020
Property Address	5349 MILL STREAM DR, SAINT CLOUD, FL 34771-8720
Document Number	0058342201
Book / Page	005834 / 002201
Instrument Date	Aug 31, 2020
Instrument	157370
Record Updated	Dec 04, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC

Transaction

Amount	Amount Recorded
Tax	$2,835.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	5349 MILL STREAM DR ST CLOUD FL 347718720, ST CLOUD, FL 34771-8720

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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,691.00 (+6.69%) Homeowner's exemption	$400,203 (+5.99%)	$539,300 (+29.39%) Land $80,000 Building $459,300
2023	$5,334.00 (+3.79%) Homeowner's exemption	$377,598 (+3%)	$416,800 (+13.69%) Land $70,000 Building $346,800
2022	$5,139.00 Homeowner's exemption	$366,600 Land $70,000 Building $296,600	$366,600 Land $70,000 Building $296,600

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 X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft

Wildfire

Wildfire Risk	Moderate above 55% of the US · above 26% of Florida
Wildfire Likelihood	About 1 in 699 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.

5349 Mill Stream Dr, Saint Cloud, FL 34771 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

April 2024: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2020: Correction Deed

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Nearby Properties on Mill Stream Dr

Nearby Streets

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