Osceola County property record for 5404 Tessin Trl, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,586 sqft · built 2022 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,621 (2025) |
| Deeds & Mortgages | May 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-25-31-4978-0001-1120 |
| Primary APN | 21-25-31-4978-0001-1120 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,586 sqft Living Area |
| Gross Area | 3,381 sqft |
| 1st Floor Area | 1,032 sqft |
| Flooring | Tile |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | L-Shape |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.14 acres) |
| Garage Type | Attached |
| Garage Area | 500 sqft |
| Porch | Finished/Open Porch |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 5404 TESSIN TRL |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9420 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SIENA RESERVE PH 2A & 2B PB 29 PGS 42-47 LOT 112 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 21 |
| Legal Subdivision | SIENA RESERVE |
| Legal Phase | 2A |
| Legal Lot Number | 112 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 43700 |
5404 Tessin Trl is owned and occupied by two individuals who acquired it in May 2022.
Source: Osceola County records, as of November 26, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5404 TESSIN TRL, SAINT CLOUD, FL 34771-9420 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 11, 2022 |
| Deed Sale | May 11, 2022 |
| Deed Document Number | 202274478 |
| Deed Book / Page | 6211 / 2315 |
| Record Updated | Sep 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 11, 2022 |
| Property Address | 5404 TESSIN TRL, SAINT CLOUD, FL 34771-9420 |
| Document Number | 0062112315 |
| Book / Page | 6211 / 2315 |
| Map Reference | MB 29 PG 42 |
| Instrument Date | May 6, 2022 |
| Instrument | 2022074478 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,690.80 |
| 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 | 5404 TESSIN TRL, SAINT CLOUD, FL 34771-9420 |
| Document Number | 0062112317 |
|---|---|
| Date | May 11, 2022 |
| Instrument | 6211/2317 |
| Name | HOME SOLUTION LENDERS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
The 2025 property tax bill for 5404 Tessin Trl was $5,621 with a homeowner's exemption, up 4.6% from the year before.
Source: Osceola County assessment roll, as of November 26, 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 | $5,621.00 (+4.58%) Homeowner's exemption | $395,136 | $396,700 Land $75,000 Building $321,700 |
| 2024 | $5,375.00 (+0.5%) | ||
| 2023 | $5,348.00 (+278.22%) Homeowner's exemption | $378,600 (+531%) Land $70,000 Building $308,600 | $378,600 (+531%) Land $70,000 Building $308,600 |
| 2022 | $1,414.00 | $60,000 Land $60,000 | $60,000 Land $60,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 5404 Tessin Trl 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 5404 Tessin Trl is high, ranking above 84% of the US, with a 0.7% annual chance of 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 | 0.7% annual chance |
| Exposure | Direct burnable vegetation |
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 216 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Spectrum Cable | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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