5398 8 Mile Ranch Rd, Saint Cloud, FL 34773 Property Records

Osceola County property record for 5398 8 Mile Ranch Rd, Saint Cloud, FL 34773

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1998
Lot Size	39.9 acres (1,739,786 sqft)
Owner	2 Individual Names on Record
Last Sale	$850,000 (Mar 2022)
Tax Bill	$11,812 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit Mar 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`21-27-32-0000-0050-0000`

Property Details

APN / Parcel Number

Primary APN	`21-27-32-0000-0050-0000`
Alternative APNs	`273221000000500000` `105493`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Units	2 Units
Stories	1 Story
Building Area	1,344 sqft Living Area
Gross Area	2,824 sqft
1st Floor Area	1,344 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Custom Design
Exterior Material	Logs
Construction Type	Log
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	1,739,786 sqft (39.9 acres)
Garage Type	Detached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	960 sqft
Patio Area	1,456 sqft
Pole Barn	1,456 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5398 8 MILE RANCH RD
City	SAINT CLOUD
State	FL
Zip	34773-9012
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAC
Legal Description	SE1/4 OF NW1/4
Legal Range	32E
Legal Township	27S
Legal Section	21
Legal Subdivision	ACREAGE & UNREC
Legal Tract	0000
Legal Block	50
Legal Lot Number	50
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1045
Census Tract	43802

Owner

Source: Osceola County records, as of May 12, 2026

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 Record
Mailing Address	5398 8 MILE RANCH RD, SAINT CLOUD, FL 34773-9012
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2021	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NATIONAL ASSOCIATION
Mar 11, 2022	Warranty Deed, Transfer STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2022 · Amount on Record
Deed Sale	Mar 11, 2022 · Amount on Record
Deed Document Number	202239718
Deed Book / Page	6169 / 2234
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5398 8 MILE RANCH RD, SAINT CLOUD, FL 34773-9012
Transaction Type	Mortgage
Record Updated	Jan 22, 2024
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5398 8 MILE RANCH RD, SAINT CLOUD, FL 34773-9012

Mortgage

Document Number	0060712985
Date	Oct 25, 2021
Book Page	6071/2985
Instrument	2021165577

Lender

Name	SOUTH STATE BANK NATIONAL ASSOCIATION
Type	Bank
Address	KISSIMMEE, FL 34743

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Sep 20, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 11, 2022
Property Address	5398 8 MILE RANCH RD, SAINT CLOUD, FL 34773-9012
Document Number	0061692234
Book / Page	6169 / 2234
Instrument Date	Mar 4, 2022
Instrument	2022039718
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$5,950.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8610 N MEYER SQ, DUNNELLON, FL 34433-4617

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5398 8 MILE RANCH RD, SAINT CLOUD, FL 34773-9012

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	$11,812.00 (-3.59%) Homeowner's exemption	$842,000 (+0.01%) Land $679,000 Building $163,000	$842,000 (+0.01%) Land $679,000 Building $163,000
2024	$12,252.00 (-0.66%)	$841,900 (+0.38%) Land $679,000 Building $162,900	$841,900 (+0.38%) Land $679,000 Building $162,900
2023	$12,334.00 (+514.86%)	$838,700 (+488.64%) Land $679,000 Building $159,700	$838,700 (+155.31%) Land $679,000 Building $159,700
2022	$2,006.00 Homeowner's exemption	$142,482	$328,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 110 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	110 in force
Nearby Flood Claims	1 (2022)
Most Recent Claim	Sep 2022 · Hurricane Ian

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 79% of the US · above 68% of Florida
Wildfire Likelihood	0.6% annual chance
Exposure	Direct burnable vegetation

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	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 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
AT&T Fixed Wireless	25 / 3

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