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5350 Mill Stream Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5350 Mill Stream Ct, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3 Baths
Year BuiltBuilt 1994
Square Footage2,403 sqft Heated Area
Lot Size35,022 sqft (0.803 acres)
OccupancyOwner Occupied
Last Sale$875,000 (2023)
Tax Bill$8,809.00 (2025)

Property Details

APN / Parcel Number

Primary APN90646
Alternative APN
  • 092531415600010150

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area2,403 sqft Heated Area
Gross Area3,289 sqft Gross Area
1st Floor2,403 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1994
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area35,022 sqft (0.803 acres)
Depth X Width220 ft x 65 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area483 sqft Garage

Exterior Amenities

Pool Area360 sqft Pool
FenceFence
Deck Area655 sqft Deck
PorchOpen Porch
Porch Area403 sqft Porch
Boat AccessBoat Access

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number90646
Street Address5350 MILL STREAM CT
CitySAINT CLOUD
StateFL
Zip34771-8706
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionMILL STREAM ESTATES PB 6 PG 95-97 LOT 15
Legal Range31E
Legal Township25S
Legal Section09
Legal SubdivisionMILL STREAM ESTATES
Legal Tract4156
Legal Block1
Legal Lot Number15
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1018
Census Tract43700

Owner

Source: Osceola County records · APN 90646

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address5350 MILL STREAM CT, SAINT CLOUD, FL 34771-8706
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Oct 13, 2023Warranty Deed, Transfer · Conventional Mortgage
LAKE MICHIGAN CU
Mar 28, 2023Warranty Deed, Transfer
INNOVATIVE TITLE SERVICES I LLC, INNOVATIVE TITLE SVCS LLC
Jan 23, 2020Loan Modification, Mortgage
TRUIST BK
Feb 15, 2017Loan Modification, Mortgage · Line of Credit
SUNTRUST BK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 13, 2023 · Amount on Record
Deed SaleOct 13, 2023 · Amount on Record
Prior SaleMar 28, 2023 · Amount on Record
Deed Doc Number2023135230
Deed Book / Page6489 / 1404
Record RefreshedJun 08, 2026

October 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 13, 2023
Property Address5350 MILL STREAM CT, SAINT CLOUD, FL 34771-8706
Document Number0064891404
Book / Page6489 / 1404
Map ReferenceMB 6 PG 95-97
Instrument DateOct 10, 2023
Instrument2023135230
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyFIRST SERVICE TITLE, FIRST SERVICE TTL OF FL LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$6,125.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address550 MILL STREAM CT, SAINT CLOUD, FL 34771

Mortgage

Document Number0064891405
DateOct 13, 2023
Instrument6489/1405
Lender
NameLAKE MICHIGAN CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2053
Interest
Rate TypeAdjustable Rate
Rate7.5%
Type Change DateNov 01, 2030
Change FrequencyAnnually
Min Rate At Change2.75%
Max Rate At Change12.5%
Index52-Week T-Bill (1-Year)
Max Rate12.5%

March 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 28, 2023
Property Address5350 MILL STREAM CT, SAINT CLOUD, FL 34771-8706
Document Number0063770499
Book / Page6377 / 499
Map ReferenceMB 6 PG 95-97
Instrument DateMar 17, 2023
Instrument2023034629
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyINNOVATIVE TITLE SERVICES I LLC, INNOVATIVE TITLE SVCS LLC

Transaction

AmountAmount Recorded
Tax$6,195.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address5759 C 575, BUSHNELL, FL 33513-2803

Transferred To (Grantee/Buyer)

NameVerified Name
Address5350 MILL STREAM CT, SAINT CLOUD, FL 34771-8706

January 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address5350 MILL STREAM CT, SAINT CLOUD, FL 34771-8706
Document Number0056651579
Instrument DateJan 23, 2020
Transaction TypeMortgage
Record UpdatedFeb 20, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address5350 MILL STREAM CT ST CLOUD FL 347718706, ST CLOUD, FL 34771-8706

Mortgage

Document Number0056651579
DateJan 29, 2020
Book Page005665/001579
Instrument14102
Lender
NameTRUIST BK
AddressORLANDO, FL 32809
Agreement
AmountAmount Recorded

February 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address5350 MILL STREAM CT, SAINT CLOUD, FL 34771-8706
Document Number0051060941
Instrument DateFeb 15, 2017
Transaction TypeMortgage
Record UpdatedAug 17, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address5350 MILL STREAM CT ST CLOUD FL 347718706, ST CLOUD, FL 34771-8706

Mortgage

Document Number0051060941
DateFeb 22, 2017
Book Page005106/000941
Instrument28932
Lender
NameSUNTRUST BK
TypeBank
AddressORLANDO, FL 32809
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueFeb 21, 2047
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$8,809.00 (+106.59%) Homeowner's exemption$625,300 (+107.72%) Land $145,000 Building $480,300$625,300 (+27.17%) Land $145,000 Building $480,300
2023$4,264.00 (+4%) Homeowner's exemption$301,035 (+3%)$491,700 (+12.36%) Land $135,000 Building $356,700
2022$4,100.00 Homeowner's exemption$292,267$437,600 Land $135,000 Building $302,600

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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

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