Osceola County property record for 5490 Magnolia Rd, Saint Cloud, FL 34773
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,234 sqft · built 2016 |
| Lot Size | 2.38 acres (103,977 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $24,000 (Apr 2002) |
| Tax Bill | $1,702 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Mar 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-27-33-3410-000C-0140 |
| Primary APN | 24-27-33-3410-000C-0140 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,234 sqft Living Area |
| Gross Area | 1,794 sqft |
| 1st Floor Area | 1,234 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | L-Shape |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 103,977 sqft (2.38 acres) |
| Garage Type | Attached |
| Garage Area | 560 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 5490 MAGNOLIA RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34773-9491 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OAC |
| Legal Description | HOLOPAW COUNTRY EST UNIT A PB 1 PG 351 BLK C LOT 14 |
| Legal Range | 33E |
| Legal Township | 27S |
| Legal Section | 24 |
| Legal Subdivision | HOLOPAW COUNTRY ESTATES SECTION 1 |
| Legal Tract | 3410 |
| Legal Block | C |
| Legal Lot Number | 14 |
| Legal Unit | A |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 43802 |
Source: Osceola County records, as of July 30, 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 | 5500 MAGNOLIA RD, SAINT CLOUD, FL 34773-9158 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 20, 2026 | Deed of Trust, Mortgage · Line of Credit PNC BANK |
| Mar 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CENTENNIAL BANK |
| Sep 24, 2018 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 12, 2002 · Amount on Record |
| Deed Sale | Apr 12, 2002 · Amount on Record |
| Deed Book / Page | 2033 / 796 |
| Last Transfer Date | Apr 15, 2011 |
| Transfer Doc | 0048161788 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 20, 2026 |
| Property Address | 5490 MAGNOLIA RD, SAINT CLOUD, FL 34773-9491 |
| Document Number | 0000094586 |
| Book / Page | 7006 / 1303 |
| Instrument Date | Jul 9, 2026 |
| Instrument | 202694586 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 5490 MAGNOLIA RD, SAINT CLOUD, FL 34773-9491 |
| Investor | Possibly a Property Investor |
| Document Number | 0000094586, |
|---|---|
| Date | Jul 20, 2026 |
| Book Page | 7006/1303 |
| Instrument | 202694586 |
| Name | PNC BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Jul 20, 2066 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5490 MAGNOLIA RD, SAINT CLOUD, FL 34773-9491 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2021 |
| Name | Verified Name |
|---|---|
| Address | 5490 MAGNOLIA RD, SAINT CLOUD, FL 34773-9491 |
| Document Number | 0059032099 |
|---|---|
| Date | Mar 3, 2021 |
| Book Page | 5903/2099 |
| Instrument | 2021031641 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72033 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5490 MAGNOLIA RD, SAINT CLOUD, FL 34773-9491 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0054051149 |
|---|---|
| Date | Sep 24, 2018 |
| Book Page | 5405/1149 |
| Instrument | 2018142930 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | 00000 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 18, 2033 |
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 | $1,702.00 (+7.72%) Homeowner's exemption | $112,489 (+5.99%) | $247,600 (+6.72%) Land $72,700 Building $174,900 |
| 2024 | $1,580.00 (+2.6%) | ||
| 2023 | $1,540.00 (+5.99%) Homeowner's exemption | $106,135 (+3%) | $232,000 (+14.51%) Land $64,500 Building $167,500 |
| 2022 | $1,453.00 Homeowner's exemption | $103,044 | $202,600 Land $60,200 Building $142,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 82 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 82 in force |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 88% of the US · above 82% of Florida |
|---|---|
| Wildfire Likelihood | 1% 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 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
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