Osceola County property record for 5522 Bonn Way, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,667 sqft · built 2022 |
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $528,800 (Dec 2022) |
| Tax Bill | $5,903 (2025) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage Jul 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 212531497900012420 |
| Primary APN | 212531497900012420 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,667 sqft Heated Area |
| Gross Area | 3,465 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Construction Type | Frame |
| 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 |
| Porch Area | 180 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 5522 BONN WAY |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9434 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SIENA RESERVE PH 2C PB 30 PGS 160-163 LOT 242 |
| Legal Subdivision | SIENA RESERVE PHS 2C TEMP |
| Legal Phase | 2C |
| Legal Lot Number | 242 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 43700 |
Source: Osceola County records · APN 212531497900012420
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 5522 BONN WAY, SAINT CLOUD, FL 34771-9434 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 01, 2022 | Special Warranty Deed, Transfer · Conventional Mortgage TRUSTCO BANK |
| Jul 01, 2022 | Special Warranty Deed, Transfer NVR SETTLEMENT SERVICES INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 01, 2022 · Amount on Record |
| Deed Sale | Dec 01, 2022 · Amount on Record |
| Prior Sale | Jul 01, 2022 · Amount on Record |
| Deed Document Number | 2022172726 |
| Deed Book / Page | 6322 / 2273 |
| Record Updated | Jun 08, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 01, 2022 |
| Property Address | 5522 BONN WAY, SAINT CLOUD, FL 34771-9434 |
| Document Number | 0063222273 |
| Book / Page | 6322 / 2273 |
| Map Reference | MB 30 PG 160-163 |
| Instrument Date | Nov 30, 2022 |
| Instrument | 2022172726 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | NVR SETTLEMENT SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,701.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7547 GOLF CHANNEL DR, ORLANDO, FL 32819-8921 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5522 BONN WAY, SAINT CLOUD, FL 34771-9434 |
| Document Number | 0063222275 |
|---|---|
| Date | Dec 01, 2022 |
| Instrument | 6322/2275 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 30, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Nov 30, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 4.5% |
| Max Rate At Change | 10.5% |
| Index | 1-Year T-Bill |
| Margin | 3 |
| Max Rate | 10.5% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 01, 2022 |
| Property Address | 5522 BONN WAY, SAINT CLOUD, FL 34771-9434 |
| Document Number | 0062432448 |
| Book / Page | 6243 / 2448 |
| Map Reference | MB 30 PG 160-163 |
| Instrument Date | Jun 23, 2022 |
| Instrument | 2022102492 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | NVR SETTLEMENT SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $539.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 4098, MARYVILLE, TN 37802-4098 |
| Name | Verified Name |
|---|---|
| Address | 1409 TECH BLVD STE 202, 202, TAMPA, FL 33619-7830 |
| Investor | Possibly a Property Investor |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $5,903.00 (-4.14%) Homeowner's exemption | $415,500 (+4.79%) Land $78,800 Building $336,700 | $415,500 (+4.79%) Land $78,800 Building $336,700 |
| 2023 | $6,158.00 (+567.9%) | $396,500 (+500.76%) Land $73,500 Building $323,000 | $396,500 (+500.76%) Land $73,500 Building $323,000 |
| 2022 | $922.00 | $66,000 Land $66,000 | $66,000 Land $66,000 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 330 individual NFIP policies nearby |
| 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, tidal / storm surge, Hurricane Ian |
| Claims By Storm |
|
| Wildfire Risk | High above 80% of the US · above 69% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 125 per year |
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 216 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Xfinity | Cable | 1,200 / 35 |
| Spectrum | Cable | 1,000 / 1,000 |
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