Osceola County property record for 5491 Banyan Bay Rd, Saint Cloud, FL 34771
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.18 acres (7,840 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $648,100 (Dec 2025) |
| Tax Bill | $162 (2024) |
| Deeds & Mortgages | Dec 2025 Mortgage Jan 2025 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 04-25-31-3523-0001-5210 |
| Primary APN | 04-25-31-3523-0001-5210 |
|---|---|
| Alternative APN |
|
| Lot Area | 7,840 sqft (0.18 acres) |
|---|
| Street Address | 5491 BANYAN BAY RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8437 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Legal Description | BRIDGEWALK PH 2C PB 35 PGS 66-72 LOT 521 |
| Legal Subdivision | BRIDGEWALK PHASE 2C |
| Legal Lot Number | 521 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 43700 |
5491 Banyan Bay Rd, vacant land, is owned and occupied by two individuals who bought it in December 2025.
Source: Osceola County records, as of March 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5491 BANYAN BAY RD, SAINT CLOUD, FL 34771-8437 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Dec 5, 2025 | Deed of Trust, Mortgage · Conventional Mortgage PULTE MORTGAGE LLC |
| Jan 9, 2025 | Special Warranty Deed, Construction Loan ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 5, 2025 · Amount on File |
| Deed Sale | Dec 5, 2025 · Amount on File |
| Prior Sale | Jan 9, 2025 · Amount on File |
| Deed Document Number | 2025149370 |
| Deed Book / Page | 6889 / 2478 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5491 BANYAN BAY RD, SAINT CLOUD, FL 34771-8437 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2025 |
| Name | Verified Name |
|---|---|
| Address | 5491 BANYAN BAY RD, SAINT CLOUD, FL 34771-8437 |
| Document Number | 0068892480 |
|---|---|
| Date | Dec 5, 2025 |
| Book Page | 6889/2480 |
| Instrument | 2025149371 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DENVER, CO 80237 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 9, 2025 |
| Property Address | 5491 BANYAN BAY RD, SAINT CLOUD, FL 34771-8437 |
| Document Number | 0067222122 |
| Book / Page | 6722 / 2122 |
| Map Reference | MB 35 PG 66-72 |
| Instrument Date | Dec 30, 2024 |
| Instrument | 2025002833 |
| Transaction Type | Construction Loan |
| Record Updated | Dec 12, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $52,731.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6675 WESTWOOD BLVD, ORLANDO, FL 32821-8061 |
| Name | Verified Name |
|---|---|
| Address | 4901 VINELAND RD, ORLANDO, FL 32811-7300 |
| Investor | Possibly a Property Investor |
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 | $90,000 Land $90,000 | $90,000 Land $90,000 | |
| 2024 | $162.00 |
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 5491 Banyan Bay Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 61.1 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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 5491 Banyan Bay Rd is high, ranking above 81% of the US, with a 0.8% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 81% of the US · above 70% of Florida |
|---|---|
| Wildfire Likelihood | 0.8% 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 EASTERN private · serves 110,102 people · EPA ID FL3490751 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 1 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
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