Osceola County property record for 5535 Osceola Dr, Saint Cloud, FL 34773
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,902 sqft · built 1994 |
| Lot Size | 3.72 acres (162,043 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $261,000 (Jan 2018) |
| Tax Bill | $4,095 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Mar 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2427333410000D0260 |
| Primary APN | 2427333410000D0260 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,902 sqft Heated Area |
| Gross Area | 5,238 sqft |
| 1st Floor Area | 1,664 sqft |
| Upper Floors Area | 225 sqft |
| Attic Area | 333 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1994 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 162,043 sqft (3.72 acres) |
| Garage Type | Finished |
| Garage Area | 2,328 sqft |
| Parking Spaces | 8 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 1,264 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 107509 |
|---|---|
| Street Address | 5535 OSCEOLA DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34773-9324 |
| 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 D LOT 26 LESS E 630 FT AND W 1/2 OF LOT 27 |
| Legal Range | 33E |
| Legal Township | 27S |
| Legal Section | 24 |
| Legal Subdivision | HOLOPAW COUNTRY EST |
| Legal Tract | 3410 |
| Legal Block | D |
| Legal Lot Number | 26-27 |
| 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 December 11, 2025
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 | 5535 OSCEOLA DR, SAINT CLOUD, FL 34773-9324 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA |
| Mar 4, 2020 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 31, 2018 | Warranty Deed, Transfer · FHA Mortgage RESIDENTIAL ACCPTNC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 31, 2018 · Amount on Record |
| Deed Sale | Jan 31, 2018 · Amount on Record |
| Prior Sale | Feb 20, 2012 · Amount on Record |
| Deed Document Number | 2018016339 |
| Deed Book / Page | 5277 / 2646 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5535 OSCEOLA DR, SAINT CLOUD, FL 34773-9324 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2021 |
| Title Company | NATIONALLINK |
| Name | Verified Name |
|---|---|
| Address | 5535 OSCEOLA DR, SAINT CLOUD, FL 34773-9324 |
| Document Number | 0061092879 |
|---|---|
| Date | Dec 16, 2021 |
| Book Page | 6109/2879 |
| Instrument | 2021194567 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5535 OSCEOLA DR, SAINT CLOUD, FL 34773-9324 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0056852389 |
|---|---|
| Date | Mar 4, 2020 |
| Book Page | 5685/2389 |
| Instrument | 2020031836 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 31, 2018 |
| Property Address | 5535 OSCEOLA DR, SAINT CLOUD, FL 34773-9324 |
| Document Number | 0052772646 |
| Book / Page | 005277 / 002646 |
| Instrument Date | Jan 30, 2018 |
| Instrument | 16339 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2018 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,827.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5535 OSCEOLA DR ST CLOUD FL 347739324, ST CLOUD, FL 34773-9324 |
| Document Number | 52772647 |
|---|---|
| Date | Jan 31, 2018 |
| Book Page | 005277/002647 |
| Instrument | 16340 |
| Name | RESIDENTIAL ACCPTNC |
|---|---|
| Address | TAMPA, FL 33607 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 30, 2048 |
Source: Osceola County assessment roll, as of July 1, 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 | $4,095.00 (-6.66%) Homeowner's exemption | $262,993 (+5.99%) | $401,100 (+6.99%) Land $134,400 Building $266,700 |
| 2023 | $4,387.00 (+21.83%) Homeowner's exemption | $248,138 (+3%) | $374,900 (+13.5%) Land $120,300 Building $254,600 |
| 2022 | $3,601.00 Homeowner's exemption | $240,911 | $330,300 Land $112,300 Building $218,000 |
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 |
|---|---|
| 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 80% 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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