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5354 Mill Stream Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5354 Mill Stream Dr, Saint Cloud, FL 34771 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2002
Square Footage2,057 sqft Living Area
Lot Size22,433 sqft (0.515 acres)
OccupancyOwner Occupied
Last Sale$545,000 (2024)
Tax Bill$6,166.00 (2024)

Property Details

APN / Parcel Number

Primary APN09-25-31-4156-0001-0330
Alternative APNs
  • 253109415600010330
  • 90664

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area2,057 sqft Living Area
Gross Area3,011 sqft Gross Area
1st Floor2,057 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1992
Effective Year BuiltEffective 2002
Exterior MaterialConcrete Block Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area22,433 sqft (0.515 acres)
Depth X Width216 ft x 120 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area598 sqft Garage

Exterior Amenities

Pool TypeIn-Ground Pool Pool Type
Pool Area390 sqft Pool
Deck Area512 sqft Deck
Porch Area356 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address5354 MILL STREAM DR
CitySAINT CLOUD
StateFL
Zip34771-8710
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionMILL STREAM ESTATES PB 6 PG 95-97 LOT 33
Legal Range31E
Legal Township25S
Legal Section09
Legal SubdivisionMILL STREAM ESTATES
Legal Tract4156
Legal Block330
Legal Lot Number33
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1018
Census Tract43700

Owner

Source: Osceola County records · APN 09-25-31-4156-0001-0330

Assessment roll updated November 26, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address5354 MILL STREAM DR, SAINT CLOUD, FL 34771-8710
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Dec 02, 2024Intrafamily Transfer, Transfer
Dec 02, 2024Warranty Deed, Transfer · Conventional Mortgage
JACKSON FLAGSTAR CENTRE OFFICE
Jan 19, 2022Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
Jun 06, 2019Deed of Trust, Mortgage · Conventional Mortgage
RP FUNDING INC
Oct 28, 2020Warranty Deed, Transfer · Conventional Mortgage
FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 02, 2024 · Amount on Record
Deed SaleDec 02, 2024 · Amount on Record
Prior SaleOct 28, 2020 · Amount on Record
Deed Doc Number2024151486
Deed Book / Page6703 / 1130
Prior Transfer DateOct 24, 2023
Prior Transfer Doc0067031128
Record RefreshedSep 20, 2026

December 2024: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateDec 02, 2024
Property Address5354 MILL STREAM DR, SAINT CLOUD, FL 34771-8710
Document Number0067031128
Book / Page6703 / 1128
Map ReferenceMB 6 PG 95-97
Instrument DateOct 24, 2024
Instrument2024151485
Transaction TypeTransfer
Record UpdatedDec 12, 2025

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address5354 MILL STREAM DR, SAINT CLOUD, FL 34771-8710

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address5354 MILL STREAM DR, SAINT CLOUD, FL 34771-8710

December 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 02, 2024
Property Address5354 MILL STREAM DR, SAINT CLOUD, FL 34771-8710
Document Number0067031130
Book / Page6703 / 1130
Map ReferenceMB 6 PG 95-97
Instrument DateOct 22, 2024
Instrument2024151486
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyACADIA TITLE, ARCADIA TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,815.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address1526 CONWAY ISLE CIR, BELLE ISLE, FL 32809-3598

Transferred To (Grantee/Buyer)

NameVerified Name
Address5354 MILL STREAM DR, SAINT CLOUD, FL 34771-8710

Mortgage

Document Number0067031132
DateDec 02, 2024
Instrument6703/1132
Lender
NameJACKSON FLAGSTAR CENTRE OFFICE
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term359 Months
DueNov 01, 2054

January 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateJan 19, 2022
Property Address5354 MILL STREAM DR, SAINT CLOUD, FL 34771-8710
Document Number0061311702
Book / Page6131 / 1702
Map ReferenceMB 6 PG 95-97
Instrument DateJan 18, 2022
Instrument2022009426
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address5354 MILL STREAM DR, SAINT CLOUD, FL 34771-8710

June 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5354 MILL STREAM DR, SAINT CLOUD, FL 34771-8710
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0055360234
DateJun 06, 2019
Book Page5536/0234
Instrument2019072649
Lender
NameRP FUNDING INC
TypeMortgage Company
AddressLAKE MARY, FL 32746
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2049

October 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 28, 2020
Property Address5354 MILL STREAM DR, SAINT CLOUD, FL 34771-8710
Document Number0058212230
Book / Page5821 / 2230
Map ReferenceMB 6 PG 95-97
Instrument DateOct 22, 2020
Instrument2020146511
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyLAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,905.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address5354 MILL STREAM DR, 5354, SAINT CLOUD, FL 34771-8710

Transferred To (Grantee/Buyer)

NameVerified Name
Address5354 MILL STREAM DR, SAINT CLOUD, FL 34771-8710

Mortgage

Document Number0058212232
DateOct 28, 2020
Instrument5821/2232
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026

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 and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$5,970.00 (-3.18%)$420,331 (+11.44%)$525,800 (+29.32%) Land $80,000 Building $445,800
2024$6,166.00 (+15.73%)
2023$5,328.00 (+12.55%) Homeowner's exemption$377,181 (+11.71%)$406,600 (+13.45%) Land $70,000 Building $336,600
2022$4,734.00 Homeowner's exemption$337,634$358,400 Land $70,000 Building $288,400

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 500 ft

Wildfire

Wildfire RiskModerate
above 62% of the US · above 36% of Florida
Wildfire LikelihoodAbout 1 in 592 per year
ExposureDirect
burnable vegetation at the parcel

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

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