5425 Geneva Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5425 Geneva Way, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,137 sqft · built 2022
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$369,800 (Jun 2022)
Tax Bill	$6,395 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`212531497800010890`

Property Details

APN / Parcel Number

Primary APN	`212531497800010890`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,137 sqft Heated Area
Gross Area	3,873 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.139 acres)
Garage Type	Finished
Porch	Finished/Screened Porch
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	5425 GENEVA WAY
City	SAINT CLOUD
State	FL
Zip	34771-9417
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SIENA RESERVE PH 2A & 2B PB 29 PGS 42-47 LOT 89
Legal Range	31E
Legal Township	25S
Legal Section	21
Legal Subdivision	SIENA RESERVE
Legal Phase	2A
Legal Tract	4978
Legal Lot Number	89
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1053
Census Tract	43700

Owner

5425 Geneva Way is owned and occupied by an individual who bought it in June 2022.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	2 Co-owners on File
Mailing Address	5425 GENEVA WAY, SAINT CLOUD, FL 34771-9417
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	4 Names on Deed
Last Sale	Jun 2, 2022 · Amount on File
Deed Sale	Jun 2, 2022 · Amount on File
Deed Document Number	2022086263
Deed Book / Page	6225 / 335
Record Updated	Jun 8, 2026

June 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 2, 2022
Property Address	5425 GENEVA WAY, SAINT CLOUD, FL 34771-9417
Document Number	0062250335
Book / Page	6225 / 335
Map Reference	MB 29 PG 42-47
Instrument Date	May 28, 2022
Instrument	2022086263
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,588.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3020 S FLORIDA AVE STE 101, 101, LAKELAND, FL 33803-4058

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5425 GENEVA WAY, SAINT CLOUD, FL 34771-9417

Mortgage

Document Number	0006225337
Date	Jun 2, 2022
Instrument	6225/337

Lender

Name	HOME SOLUTION LENDERS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 5425 Geneva Way was $6,395 with a homeowner's exemption.

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	$6,395.00 Homeowner's exemption	$451,010	$452,500 Land $78,800 Building $373,700
2023	$6,095.00 (+319.77%) Homeowner's exemption	$432,100 (+554.7%) Land $73,500 Building $358,600	$432,100 (+554.7%) Land $73,500 Building $358,600
2022	$1,452.00	$66,000 Land $66,000	$66,000 Land $66,000

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

Flood

FEMA maps place 5425 Geneva Way 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	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

Wildfire risk around 5425 Geneva Way is high, ranking above 80% 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 80% of the US · above 70% 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.

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 191 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