5365 Rambling Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5365 Rambling Rd, Saint Cloud, FL 34771 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,973 sqft · built 1983
Lot Size	6.08 acres (264,931 sqft)
Owner	Individual Name on File
Last Sale	$700,000 (Apr 2026)
Tax Bill	$6,018 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Jan 2024 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21-25-31-4260-0001-0270`

Property Details

APN / Parcel Number

Primary APN	`21-25-31-4260-0001-0270`
Alternative APNs	`253121426000010270` `91829`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,973 sqft Living Area
Gross Area	2,237 sqft
1st Floor Area	1,973 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Custom Design
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	264,931 sqft (6.08 acres)

Exterior Amenities

Porch	Florida Room
Porch Area	264 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5365 RAMBLING RD
City	SAINT CLOUD
State	FL
Zip	34771-9524
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NEW MAP OF NARCOOSSEE PB 1 PGS 73-74 FROM NW COR OF LOT 23, E 27 FT, RUN S 945.45 FT, E 417.45 FT TO POB; CONT E 841.05 FT, S 315.26 FT TO SE COR OF LOT 27, W 829.56 FT, N 315.15 FT TO POB TOGETHER W/ESMT
Legal Range	31E
Legal Township	25S
Legal Section	21
Legal Subdivision	NARCOOSSEE NEW MAP OF
Legal Tract	4260
Legal Block	270
Legal Lot Number	23
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1053
Census Tract	43700

Owner

Source: Osceola County records · APN 21-25-31-4260-0001-0270

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

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
Mailing Address	5365 RAMBLING RD, SAINT CLOUD, FL 34771-9524
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Apr 08, 2026	Warranty Deed, Transfer · Conventional Mortgage HOMEXPRESS MORTGAGE CORPORATION
Jan 02, 2024	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Sep 06, 2023	Warranty Deed, Transfer MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO
Feb 24, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 08, 2026 · Amount on Record
Deed Sale	Apr 08, 2026 · Amount on Record
Prior Sale	Sep 06, 2023 · Amount on Record
Deed Document Number	202647013
Deed Book / Page	6952 / 1073
Prior Transfer Date	Feb 17, 2021
Prior Transfer Doc	0058971637
Record Updated	Jun 08, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 08, 2026
Property Address	5365 RAMBLING RD, SAINT CLOUD, FL 34771-9524
Document Number	0000047013
Book / Page	6952 / 1073
Instrument Date	Apr 06, 2026
Instrument	202647013
Transaction Type	Transfer
Record Updated	Apr 17, 2026
Title Company	GLOBAL INTERNATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$494,900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5365 RAMBLING RD, SAINT CLOUD, FL 34771-9524

Mortgage

Document Number	0000047014,
Date	Apr 08, 2026
Instrument	202647014

Lender

Name	HOMEXPRESS MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jan 02, 2024
Property Address	5365 RAMBLING RD, SAINT CLOUD, FL 34771-9524
Document Number	0065272359
Book / Page	6527 / 2359
Map Reference	MB 1 PG 73&74
Instrument Date	Dec 15, 2023
Instrument	2024000195
Transaction Type	Transfer
Record Updated	Jan 25, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5365 RAMBLING RD, SAINT CLOUD, FL 34771-9524

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	5365 RAMBLING RD, SAINT CLOUD, FL 34771-9524

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 06, 2023
Property Address	5365 RAMBLING RD, SAINT CLOUD, FL 34771-9524
Document Number	0064692014
Book / Page	6469 / 2014
Instrument Date	Sep 01, 2023
Instrument	2023117083
Transaction Type	Transfer
Record Updated	Sep 28, 2023
Title Company	MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO

Transaction

Amount	Amount Recorded
Tax	$4,550.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1838 LILLIAN DR, SAINT CLOUD, FL 34771-9787

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7885 NW 105TH AVE, DORAL, FL 33178-4077

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Feb 24, 2021
Property Address	5365 RAMBLING RD, SAINT CLOUD, FL 34771-9524
Document Number	0058971637
Book / Page	5897 / 1637
Map Reference	MB 1 PG 73&74
Instrument Date	Feb 17, 2021
Instrument	2021026759
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	LIBERTY TITLE AND ESCROW LLC, LIBERTY TITLE & ESCROW LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5365 RAMBLING RD, SAINT CLOUD, FL 34771-9524

Mortgage

Document Number	0058971638
Date	Feb 24, 2021
Instrument	5897/1638

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2051

Tax Assessment & Valuation

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

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	$6,018.00 (+2.03%)	$423,800 (+78.99%) Land $224,400 Building $199,400	$423,800 (+7.62%) Land $224,400 Building $199,400
2024	$5,898.00 (+75.17%)
2023	$3,367.00 (+4.31%) Homeowner's exemption	$236,773 (+3%)	$393,800 (+7.86%) Land $201,900 Building $191,900
2022	$3,228.00 Homeowner's exemption	$229,877	$365,100 Land $201,900 Building $163,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970437001, refreshed September 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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 330 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	330 in force
Nearby Flood Claims	18 (2004–2022)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 2022, tidal / storm surge, Hurricane Ian
Claims By Storm	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 claims

Wildfire

Wildfire Risk	High above 77% of the US · above 65% of Florida
Wildfire Likelihood	About 1 in 186 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 258 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	2,000 / 1,000
Spectrum	Cable	1,000 / 1,000

May also be available at this address: AT&T, Xfinity, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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