5367 Shady Oak Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5367 Shady Oak Cir, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,049 sqft · built 1985
Lot Size	0.495 acres (21,562 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (May 2020)
Tax Bill	$4,861 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Aug 2019 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`05-25-31-4025-0001-0540`

Property Details

APN / Parcel Number

Primary APN	`05-25-31-4025-0001-0540`
Alternative APNs	`253105402500010540` `89959`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,049 sqft Living Area
Gross Area	3,111 sqft
1st Floor Area	2,049 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2010
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,562 sqft (0.495 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	512 sqft
Porch	Florida Room
Porch Area	462 sqft
Deck Area	153 sqft
Boat House	570 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5367 SHADY OAK CIR
City	SAINT CLOUD
State	FL
Zip	34771-9655
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPUD
Legal Description	MAJESTIC OAKS SUB PB 2 PG 210 & 211 LOT 54
Legal Range	31E
Legal Township	25S
Legal Section	05
Legal Subdivision	MAJESTIC OAKS
Legal Tract	4025
Legal Block	540
Legal Lot Number	54
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3002
Census Tract	42800

Owner

Source: Osceola County records, as of November 26, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5367 SHADY OAK CIR, SAINT CLOUD, FL 34771-9655
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINT MORTGAGE INC
Aug 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage STRONG HOME MORTGAGE LLC
May 27, 2020	Warranty Deed, Transfer · Conventional with PMI MORTGAGE FIRM
Jun 11, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2020 · Amount on Record
Deed Sale	May 27, 2020 · Amount on Record
Prior Sale	Apr 10, 2015 · Amount on Record
Deed Document Number	202068397
Deed Book / Page	5727 / 2317
Prior Transfer Date	Apr 1, 2015
Prior Transfer Doc	0047612797
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5367 SHADY OAK CIR, SAINT CLOUD, FL 34771-9655
Transaction Type	Mortgage
Record Updated	Dec 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5367 SHADY OAK CIR, SAINT CLOUD, FL 34771-9655

Mortgage

Document Number	0060892868
Date	Nov 18, 2021
Book Page	6089/2868
Instrument	2021179490

Lender

Name	NORTHPOINT MORTGAGE INC
Type	Mortgage Company
Address	FISKDALE, MA 01518

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2036

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5367 SHADY OAK CIR, SAINT CLOUD, FL 34771-9655
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055730823
Date	Aug 14, 2019
Book Page	5573/0823
Instrument	2019104817

Lender

Name	STRONG HOME MORTGAGE LLC
Type	Mortgage Company
Address	WOODBRIDGE, VA 22192

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2034

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 27, 2020
Property Address	5367 SHADY OAK CIR, SAINT CLOUD, FL 34771-9655
Document Number	0057272317
Book / Page	005727 / 002317
Instrument Date	May 15, 2020
Instrument	68397
Transaction Type	Transfer
Record Updated	Jul 20, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5367 SHADY OAK CIR ST CLOUD FL 347719655, ST CLOUD, FL 34771-9655

Mortgage

Document Number	57272319
Date	May 27, 2020
Book Page	005727/002319
Instrument	68398

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 26, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 11, 2018
Property Address	5367 SHADY OAK CIR, SAINT CLOUD, FL 34771-9655
Document Number	0053472847
Book / Page	005347 / 002847
Instrument Date	Jun 8, 2018
Instrument	89735
Transaction Type	Transfer
Record Updated	Jun 26, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5367 SHADY OAK CIR ST CLOUD FL 347719655, ST CLOUD, FL 34771-9655

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,861.00 (+4.76%) Homeowner's exemption	$340,345 (+5.99%)	$505,400 (+9.04%) Land $100,000 Building $405,400
2024	$4,640.00 (+2.09%)
2023	$4,545.00 (+3.96%) Homeowner's exemption	$321,121 (+3%)	$463,500 (+14.78%) Land $80,000 Building $383,500
2022	$4,372.00 Homeowner's exemption	$311,768	$403,800 Land $75,000 Building $328,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	61.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 167 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	167 in force
Nearby Flood Claims	15 (2017–2025)
Claims Outside the SFHA	1 of 15
Most Recent Claim	Jul 2025 · rainfall accumulation
Claims by Event	Hurricane Ian, Sep 2022 · 6 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Irma, Sep 2017 · 2 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 56% of the US · lower than 71% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 331 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: AT&T, Spectrum, Verizon.

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