Osceola County property record for 5530 Toulouse Ln, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,996 sqft · built 2023 |
| Lot Size | 0.16 acres (6,969 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $439,800 (Apr 2023) |
| Tax Bill | $4,926 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Apr 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-25-31-4978-0001-0180 |
| Primary APN | 21-25-31-4978-0001-0180 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,996 sqft Living Area |
| Gross Area | 2,720 sqft |
| 1st Floor Area | 1,996 sqft |
| Flooring | Carpet |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,969 sqft (0.16 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Porch | Finished/Open Porch |
| Heating System | HVAC |
|---|
| Street Address | 5530 TOULOUSE LN |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9422 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SIENA RESERVE PH 2A & 2B PB 29 PGS 42-47 LOT 18 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 21 |
| Legal Subdivision | SIENA RESERVE |
| Legal Phase | 2A |
| Legal Lot Number | 18 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 43700 |
5530 Toulouse Ln is owned and occupied by two individuals who bought it in April 2023.
Source: Osceola County records, as of September 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5530 TOULOUSE LN, SAINT CLOUD, FL 34771-9422 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Sep 8, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Apr 26, 2023 | Special Warranty Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC |
| Dec 2, 2022 | Special Warranty Deed, Transfer NVR SETTLEMENT SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 26, 2023 · Amount on File |
| Deed Sale | Apr 26, 2023 · Amount on File |
| Prior Sale | Dec 2, 2022 · Amount on File |
| Deed Document Number | 202351298 |
| Deed Book / Page | 6395 / 2079 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 8, 2026 |
| Property Address | 5530 TOULOUSE LN, SAINT CLOUD, FL 34771-9422 |
| Document Number | 0000116655 |
| Book / Page | 7031 / 2386 |
| Instrument Date | Sep 1, 2026 |
| Instrument | 2026116655 |
| Transaction Type | Mortgage |
| Record Updated | Sep 16, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 5530 TOULOUSE LN, SAINT CLOUD, FL 34771-9422 |
| Document Number | 0000116655, |
|---|---|
| Date | Sep 8, 2026 |
| Book Page | 7031/2386 |
| Instrument | 2026116655 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 26, 2023 |
| Property Address | 5530 TOULOUSE LN, SAINT CLOUD, FL 34771-9422 |
| Document Number | 0063952079 |
| Book / Page | 6395 / 2079 |
| Map Reference | MB 29 PG 42-47 |
| Instrument Date | Apr 24, 2023 |
| Instrument | 2023051298 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | NVR SETTLEMENT SERVICES INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,078.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7547 GOLF CHANNEL DR, ORLANDO, FL 32819-8921 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5530 TOULOUSE LN, SAINT CLOUD, FL 34771-9422 |
| Document Number | 0063952081 |
|---|---|
| Date | Apr 26, 2023 |
| Instrument | 6395/2081 |
| Name | NVR MORTGAGE FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 2, 2022 |
| Property Address | 5530 TOULOUSE LN, SAINT CLOUD, FL 34771-9422 |
| Document Number | 0063232643 |
| Book / Page | 6323 / 2643 |
| Map Reference | MB 29 PG 42-47 |
| Instrument Date | Nov 21, 2022 |
| Instrument | 2022173662 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | NVR SETTLEMENT SERVICES INC |
| Amount | Amount on Record |
|---|---|
| Tax | $1,095.50 |
| 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 |
The 2025 property tax bill for 5530 Toulouse Ln was $4,926 with a homeowner's exemption.
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 | $4,926.00 Homeowner's exemption | $345,023 | $346,600 Land $75,000 Building $271,600 |
| 2023 | $1,599.00 (+90.81%) | $70,000 (+16.67%) Land $70,000 | $70,000 (+16.67%) Land $70,000 |
| 2022 | $838.00 | $60,000 Land $60,000 | $60,000 Land $60,000 |
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 5530 Toulouse Ln in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 2004.
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 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 5530 Toulouse Ln is high, ranking above 80% 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 80% of the US · above 69% 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-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 191 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Spectrum Cable | 1,000 / 1,000 |
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