5445 Marylebone Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5445 Marylebone Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,075 sqft · built 2018
Lot Size	0.13 acres (5,662 sqft)
Owner	2 Individual Names on Record
Last Sale	$316,017 (Sep 2018)
Tax Bill	$4,658 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Dec 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`16-25-31-3442-0001-0700`

Property Details

APN / Parcel Number

Primary APN	`16-25-31-3442-0001-0700`
Alternative APN	`253116344200010700`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,075 sqft Living Area
Gross Area	3,654 sqft
1st Floor Area	1,307 sqft
Upper Floors Area	1,768 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,662 sqft (0.13 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	138 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5445 MARYLEBONE DR
City	SAINT CLOUD
State	FL
Zip	34771-3902
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HANOVER SQUARE PB 26 PGS 106-107 LOT 70
Legal Range	31E
Legal Township	25S
Legal Section	16
Legal Subdivision	HANOVER SQUARE
Legal Lot Number	70
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1034
Census Tract	43700

Owner

Source: Osceola County records, as of April 16, 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	5445 MARYLEBONE DR, SAINT CLOUD, FL 34771-3902
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK INC
Dec 28, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 18, 2019	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Sep 4, 2018	Grant Deed, Subdivision Related Transfer · FHA Mortgage KBHS HM LNS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2018 · Amount on Record
Deed Sale	Sep 4, 2018 · Amount on Record
Deed Document Number	2018133183
Deed Book / Page	5395 / 1044
Record Updated	Jun 8, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Apr 8, 2026
Property Address	5445 MARYLEBONE DR, SAINT CLOUD, FL 34771-3902
Document Number	0000046947
Book / Page	6952 / 655
Instrument Date	Apr 1, 2026
Instrument	202646947
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5445 MARYLEBONE DR, SAINT CLOUD, FL 34771-3902

Mortgage

Document Number	0000046947,
Date	Apr 8, 2026
Book Page	6952/655
Instrument	202646947

Lender

Name	CITIZENS BANK INC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 6, 2051

Interest

Rate	6%
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5445 MARYLEBONE DR, SAINT CLOUD, FL 34771-3902
Transaction Type	Mortgage
Record Updated	Feb 8, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058581927
Date	Dec 28, 2020
Book Page	5858/1927
Instrument	2020175389

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	338 Months
Due	Feb 1, 2049

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5445 MARYLEBONE DR, SAINT CLOUD, FL 34771-3902
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055912429
Date	Sep 18, 2019
Book Page	5591/2429
Instrument	2019120903

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	07805

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Oct 1, 2048

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5445 MARYLEBONE DR, SAINT CLOUD, FL 34771-3902
Transaction Type	Mortgage
Record Updated	Feb 8, 2022
Title Company	WATSON TITLE SERVICES INC, WATSON TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5445 MARYLEBONE DR, SAINT CLOUD, FL 34771-3902

Mortgage

Document Number	0060900463
Date	Nov 18, 2021
Book Page	6090/463
Instrument	2021179632

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	328 Months
Due	Mar 1, 2049

September 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 4, 2018
Property Address	5445 MARYLEBONE DR, SAINT CLOUD, FL 34771-3902
Document Number	0053951044
Book / Page	005395 / 001044
Instrument Date	Aug 31, 2018
Instrument	133183
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 24, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,212.12
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5445 MARYLEBONE DR ST CLOUD FL 34771, ST CLOUD, FL 34771

Mortgage

Document Number	53951046
Date	Sep 4, 2018
Book Page	005395/001046
Instrument	133184

Lender

Name	KBHS HM LNS LLC
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 3, 2048

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	$4,658.00 (+4.86%) Homeowner's exemption	$325,630 (+5.99%)	$414,700 (+1.72%) Land $75,000 Building $339,700
2024	$4,442.00 (+2.09%)
2023	$4,351.00 (+3.99%) Homeowner's exemption	$307,236 (+3%)	$407,700 (+29.06%) Land $75,000 Building $332,700
2022	$4,184.00 Homeowner's exemption	$298,288	$315,900 Land $55,000 Building $260,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 77% of the US · above 65% 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 444 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Xfinity.

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