5395 Rambling Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5395 Rambling Rd, Saint Cloud, FL 34771

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,248 sqft · built 2017
Lot Size	4.69 acres (204,296 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,931 (2025)
Deeds & Mortgages	Feb 2017 Loan Modification Jan 2017 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`91835`

Property Details

APN / Parcel Number

Primary APN	`91835`
Alternative APN	`212531426000010310`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,248 sqft Heated Area
1st Floor Area	1,248 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Architectural Style	Mobile/Manufactured
Exterior Material	Vinyl
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	204,296 sqft (4.69 acres)

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	91835
Street Address	5395 RAMBLING RD
City	SAINT CLOUD
State	FL
Zip	34771-9524
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	OAC
Legal Description	NARCOOSSEE FARM & TOWNSITE PB 1 PG 73 COM AT NW COR LOT 23, E 741.54 FT TO POB; CONT E 578.46 FT TO NE COR LOT 31, S 315.26
Legal Range	31E
Legal Township	25S
Legal Section	21
Legal Subdivision	NARCOOSSEE NEW MAP
Legal Tract	4260
Legal Block	1
Legal Lot Number	23,31
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1053
Census Tract	43700

Owner

Source: Osceola County assessment roll, as of July 1, 2025

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

Owner of Record	2 Individual Names on File
Mailing Address	5395 RAMBLING RD, SAINT CLOUD, FL 34771-9524
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2017	Loan Modification, Mortgage · FHA Mortgage FIRST FSB/FL
Jan 4, 2017	Trustee's Deed, Construction Loan · Construction Mortgage FIRST FSB/FL

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 8, 2013
Deed Sale	Feb 8, 2013
Deed Document Number	2013022133
Record Updated	Jun 8, 2026

February 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	5395 RAMBLING RD, SAINT CLOUD, FL 34771-9524
Document Number	0051002906
Book / Page	005100 / 002906
Instrument Date	Feb 3, 2017
Transaction Type	Mortgage
Record Updated	Mar 17, 2017
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5395 RAMBLING RD ST CLOUD FL 347719524, ST CLOUD, FL 34771-9524

Mortgage

Document Number	0051002906
Date	Feb 10, 2017
Book Page	005100/002906
Instrument	23479

Lender

Name	FIRST FSB/FL
Type	Federal Savings Bank
Address	LAKE CITY, FL 32055

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 9, 2047

Interest

Rate Type	Fixed Rate
Rate	4.25%

January 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 4, 2017
Property Address	5395 RAMBLING RD, SAINT CLOUD, FL 34771-9524
Document Number	0050801762
Book / Page	005080 / 001762
Instrument Date	Dec 16, 2016
Instrument	1730
Transaction Type	Construction Loan
Record Updated	Mar 17, 2017
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5395 RAMBLING RD ST CLOUD FL 347719524, ST CLOUD, FL 34771-9524

Mortgage

Document Number	50801762
Date	Jan 4, 2017
Book Page	005080/001762
Instrument	1730

Lender

Name	FIRST FSB/FL
Type	Federal Savings Bank
Address	LAKE CITY, FL 32055

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 3, 2047

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$1,931.00 (+9.84%) Homeowner's exemption	$128,793 (+5.99%)	$224,600 (+5.64%) Land $152,200 Building $72,400
2023	$1,758.00 (+5.65%) Homeowner's exemption	$121,519 (+3%)	$212,600 (+10.61%) Land $137,000 Building $75,600
2022	$1,664.00 Homeowner's exemption	$117,980	$192,200 Land $137,000 Building $55,200

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 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	High above 84% of the US · above 75% of Florida
Wildfire Likelihood	0.6% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 108 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000

May also be available: Lumen Technologies, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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