Osceola County property record for 5398 Cedar Point Way, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,626 sqft · built 2021 |
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $362,990 (May 2021) |
| Tax Bill | $5,306 (2025) |
| Deeds & Mortgages | Dec 2022 Line of Credit May 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 212531339700010720 |
| Primary APN | 212531339700010720 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,626 sqft Heated Area |
| Gross Area | 3,214 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.139 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 5398 CEDAR POINT WAY |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-0102 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GLENWOOD PH 1 PB 29 PGS 32-34 LOT 72 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 21 |
| Legal Subdivision | GLENWOOD |
| Legal Phase | 1 |
| Legal Tract | 3397 |
| Legal Lot Number | 72 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 43700 |
Source: Osceola County records · APN 212531339700010720
Assessment roll updated July 1, 2025 · Last verified December 2025
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 5398 CEDAR POINT WAY, SAINT CLOUD, FL 34771-0102 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 20, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST SAVINGS BANK |
| May 26, 2021 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage DHI MORTGAGE COMPANY LTD |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 26, 2021 · Amount on Record |
| Deed Sale | May 26, 2021 · Amount on Record |
| Deed Document Number | 2021081856 |
| Deed Book / Page | 5967 / 313 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5398 CEDAR POINT WAY, SAINT CLOUD, FL 34771-0102 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2023 |
| Name | Verified Name |
|---|---|
| Address | 5398 CEDAR POINT WAY, SAINT CLOUD, FL 34771-0102 |
| Document Number | 0063322570 |
|---|---|
| Date | Dec 20, 2022 |
| Book Page | 6332/2570 |
| Instrument | 2022181975 |
| Name | FIRST SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CLARKSVILLE, IN 47129 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 15, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 26, 2021 |
| Property Address | 5398 CEDAR POINT WAY, SAINT CLOUD, FL 34771-0102 |
| Document Number | 0059670313 |
| Book / Page | 5967 / 313 |
| Map Reference | MB 29 PG 32-34 |
| Instrument Date | May 21, 2021 |
| Instrument | 2021081856 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 10, 2023 |
| Title Company | DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,541.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10192 DOWDEN RD, ORLANDO, FL 32832-5128 |
| Name | Verified Name |
|---|---|
| Address | 5398 CEDAR POINT WAY, SAINT CLOUD, FL 34771-0102 |
| Document Number | 0005967314 |
|---|---|
| Date | May 26, 2021 |
| Instrument | 5967/314 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2051 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,306.00 (+2.57%) Homeowner's exemption | $372,400 (+1.72%) Land $65,000 Building $307,400 | $372,400 (+1.72%) Land $65,000 Building $307,400 |
| 2023 | $5,173.00 (+1.69%) Homeowner's exemption | $366,100 (+0.88%) Land $65,000 Building $301,100 | $366,100 (+0.88%) Land $65,000 Building $301,100 |
| 2022 | $5,087.00 Homeowner's exemption | $362,900 Land $55,000 Building $307,900 | $362,900 Land $55,000 Building $307,900 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | High above 77% of the US · above 65% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 2,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: AT&T, Xfinity.
Based on FCC filings for 258 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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