5509 Sabal Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5509 Sabal Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,126 sqft · built 2022
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$371,459 (Mar 2022)
Tax Bill	$5,880 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`162531552400010060`

Property Details

APN / Parcel Number

Primary APN	`162531552400010060`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,126 sqft Heated Area
Gross Area	2,720 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Finished
Porch	Open Porch
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5509 SABAL DR
City	SAINT CLOUD
State	FL
Zip	34771-7641
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WIREGRASS PH 1 PB 29 PGS 73-78 LOT 6
Legal Range	31E
Legal Township	25S
Legal Section	16
Legal Subdivision	WIREGRASS PHS 1
Legal Phase	1
Legal Tract	5524
Legal Lot Number	6
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1053
Census Tract	43700

Owner

Source: Osceola County records · APN 162531552400010060

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	5509 SABAL DR, SAINT CLOUD, FL 34771-7641
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 03, 2022 · Amount on Record
Deed Sale	Mar 03, 2022 · Amount on Record
Deed Document Number	2022034653
Deed Book / Page	6163 / 1175
Record Updated	Jun 08, 2026

March 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 03, 2022
Property Address	5509 SABAL DR, SAINT CLOUD, FL 34771-7641
Document Number	0061631175
Book / Page	6163 / 1175
Map Reference	MB 29 PG 73
Instrument Date	Feb 28, 2022
Instrument	2022034653
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	TRINITY TITLE COMPANY/CTRL FL LLC, TRINITY TTL CO OF CTRL FL LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,600.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	605 COMMONWEALTH AVE, ORLANDO, FL 32803-5223

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5509 SABAL DR, SAINT CLOUD, FL 34771-7641

Mortgage

Document Number	0061631177
Date	Mar 03, 2022
Instrument	6163/1177

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2052

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,880.00 (+2.33%)	$373,000 (+1.63%) Land $75,000 Building $298,000	$373,000 (+1.63%) Land $75,000 Building $298,000
2023	$5,746.00 (+648.18%)	$367,000 (+567.27%) Land $75,000 Building $292,000	$367,000 (+567.27%) Land $75,000 Building $292,000
2022	$768.00	$55,000 Land $55,000	$55,000 Land $55,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970437001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	High above 80% of the US · above 70% of Florida
Wildfire Likelihood	0.7% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 108 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000

May also be available: Lumen Technologies, Xfinity.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.