Osceola County property record for 5432 Geneva Way, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,825 sqft · built 2021 |
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $286,000 (Apr 2021) |
| Tax Bill | $4,066 (2025) |
| Deeds & Mortgages | Aug 2024 Line of Credit Apr 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 212531497800011370 |
| Primary APN | 212531497800011370 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,825 sqft Heated Area |
| Gross Area | 2,896 sqft |
| 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 |
| Patio Area | 96 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 5432 GENEVA WAY |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9416 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SIENA RESERVE PH 2A & 2B PB 29 PGS 42-47 LOT 137 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 21 |
| Legal Subdivision | SIENA RESERVE |
| Legal Phase | 2A |
| Legal Tract | 4978 |
| Legal Lot Number | 137 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 43700 |
5432 Geneva Way is owned and occupied by an individual who bought it in April 2021.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 5432 GENEVA WAY, SAINT CLOUD, FL 34771-9416 |
| 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.
| Date | Document |
|---|---|
| Aug 12, 2024 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Apr 12, 2021 | Special Warranty Deed, Transfer · Conventional Mortgage HOME SOLUTION LENDERS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 12, 2021 · Amount on File |
| Deed Sale | Apr 12, 2021 · Amount on File |
| Deed Document Number | 2021054921 |
| Deed Book / Page | 5933 / 1514 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5432 GENEVA WAY, SAINT CLOUD, FL 34771-9416 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 5432 GENEVA WAY, SAINT CLOUD, FL 34771-9416 |
| Document Number | 0066480565 |
|---|---|
| Date | Aug 12, 2024 |
| Book Page | 6648/565 |
| Instrument | 2024104286 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 20, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 12, 2021 |
| Property Address | 5432 GENEVA WAY, SAINT CLOUD, FL 34771-9416 |
| Document Number | 0059331514 |
| Book / Page | 5933 / 1514 |
| Map Reference | MB 29 PG 42-47 |
| Instrument Date | Apr 7, 2021 |
| Instrument | 2021054921 |
| 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 | $2,002.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3020 S FLORIDA AVE, LAKELAND, FL 33803-4053 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5432 GENEVA WAY, SAINT CLOUD, FL 34771-9416 |
| Document Number | 0059331516 |
|---|---|
| Date | Apr 12, 2021 |
| Instrument | 5933/1516 |
| Name | HOME SOLUTION LENDERS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
The 2025 property tax bill for 5432 Geneva Way was $4,066 with a homeowner's exemption.
Source: Osceola County assessment roll, as of July 1, 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 | $4,066.00 Homeowner's exemption | $282,959 | $330,300 Land $75,000 Building $255,300 |
| 2023 | $3,789.00 (+4.18%) Homeowner's exemption | $266,976 (+3%) | $314,700 (+21.41%) Land $70,000 Building $244,700 |
| 2022 | $3,637.00 Homeowner's exemption | $259,200 Land $60,000 Building $199,200 | $259,200 Land $60,000 Building $199,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5432 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 |
|
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 5432 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.
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 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 |
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