Osceola County property record for 539 Enaya St, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,825 sqft · built 2023 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on File |
| Last Sale | $89,900 (Jun 2023) |
| Tax Bill | $4,724 (2025) |
| Deeds & Mortgages | Oct 2024 Mortgage Jun 2023 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 212531527700010270 |
| Primary APN | 212531527700010270 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,825 sqft Heated Area |
| Gross Area | 2,512 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,663 sqft (0.13 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Porch Area | 128 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 539 ENAYA ST |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-0125 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SIENA RESERVE PH 3 PB 32 PGS 186-187 LOT 27 |
| Legal Phase | 3 |
| Legal Lot Number | 27 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 43700 |
539 Enaya St is owned and occupied by an individual who bought it in June 2023.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 539 ENAYA ST, SAINT CLOUD, FL 34771-0125 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 7, 2024 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Jun 9, 2023 | Special Warranty Deed, Construction Loan · Construction Mortgage HOME SOLUTION LENDERS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 9, 2023 · Amount on File |
| Deed Sale | Jun 9, 2023 · Amount on File |
| Deed Document Number | 2023075140 |
| Deed Book / Page | 6422 / 2161 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 539 ENAYA ST, SAINT CLOUD, FL 34771-0125 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 539 ENAYA ST, SAINT CLOUD, FL 34771-0125 |
| Document Number | 0066751320 |
|---|---|
| Date | Oct 7, 2024 |
| Book Page | 6675/1320 |
| Instrument | 2024127597 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2054 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 9, 2023 |
| Property Address | 539 ENAYA ST, SAINT CLOUD, FL 34771-0125 |
| Document Number | 0064222161 |
| Book / Page | 6422 / 2161 |
| Map Reference | MB 32 PG 186 |
| Instrument Date | Jun 6, 2023 |
| Instrument | 2023075140 |
| Transaction Type | Construction Loan |
| Record Updated | Dec 12, 2025 |
| Title Company | INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $629.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3020 S FLORIDA AVE STE 101, 101, LAKELAND, FL 33803-4058 |
| Name | Verified Name |
|---|---|
| Address | 539 ENAYA ST, SAINT CLOUD, FL 34771-0125 |
| Document Number | 0064222163 |
|---|---|
| Date | Jun 9, 2023 |
| Instrument | 6422/2163 |
| Name | HOME SOLUTION LENDERS INC |
|---|---|
| Type | Mortgage Company |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 373 Months |
| Due | Jul 1, 2054 |
The 2025 property tax bill for 539 Enaya St was $4,724 with a homeowner's exemption.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,724.00 Homeowner's exemption | $330,411 | $332,100 Land $75,000 Building $257,100 |
| 2023 | $977.00 | $70,000 Land $70,000 | $70,000 Land $70,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 539 Enaya St in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 2004.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 330 policies |
| 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 · Hurricane Ian |
| Claims by Event |
|
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 risk around 539 Enaya St is high, ranking above 80% of the US, with a 0.6% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 80% of the US · above 70% of Florida |
|---|---|
| Wildfire Likelihood | 0.6% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 258 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: AT&T, Xfinity.
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