Osceola County property record for 5545 Oesterle Rd, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 4,637 sqft · built 2024 |
| Lot Size | 1.65 acres (71,874 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $414,094 (Apr 2024) |
| Tax Bill | $12,082 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Apr 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-25-31-2868-0001-00C4 |
| Primary APN | 10-25-31-2868-0001-00C4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 4,637 sqft Living Area |
| Gross Area | 7,542 sqft |
| 1st Floor Area | 4,637 sqft |
| Flooring | Carpet |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Concrete Block/Stucco |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 71,874 sqft (1.65 acres) |
| Garage Type | Attached |
| Garage Area | 1,440 sqft |
| Pool House | 200 sqft |
| Porch | Finished/Open Porch |
| Patio Area | 1,298 sqft |
| Heating System | Central |
|---|
| Street Address | 5545 OESTERLE RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7155 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COUNTRY MEADOW WEST UNIT 1 PB 2 PG 257 COM AT NE COR OF TRACT C, N89-20-29W 474.39 FT TO POB; S00-12-04W 329.99 FT TO N R/W LINE OF OESTERLE RD, N89-20-29W 218.32 FT, N00-12-04E 329.99 FT, S89-20-29E 218.32 FT TO POB |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 10 |
| Legal Subdivision | COUNTRY MEADOW NORTH UNIT 2 |
| Legal Tract | C |
| Legal Unit | 1P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 43700 |
Source: Osceola County records, as of October 19, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 5545 OESTERLE RD, SAINT CLOUD, FL 34771-7155 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Aug 25, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT |
| Apr 18, 2024 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CORNERSTONE FIRST MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 18, 2024 · Amount on Record |
| Deed Sale | Apr 18, 2024 · Amount on Record |
| Deed Document Number | 202450133 |
| Deed Book / Page | 6584 / 2852 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 25, 2026 |
| Property Address | 5545 OESTERLE RD, SAINT CLOUD, FL 34771-7155 |
| Document Number | 0000110449 |
| Book / Page | 7024 / 2216 |
| Instrument Date | Jul 22, 2026 |
| Instrument | 2026110449 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 5545 OESTERLE RD, SAINT CLOUD, FL 34771-7155 |
| Document Number | 0000110449, |
|---|---|
| Date | Aug 25, 2026 |
| Book Page | 7024/2216 |
| Instrument | 2026110449 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 18, 2024 |
| Property Address | 5545 OESTERLE RD, SAINT CLOUD, FL 34771-7155 |
| Document Number | 0065842852 |
| Book / Page | 6584 / 2852 |
| Instrument Date | Apr 8, 2024 |
| Instrument | 2024050133 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | UNIK TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,898.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7550 SOUTHLAND BLVD STE 105, 105, ORLANDO, FL 32809-6981 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5545 OESTERLE RD, SAINT CLOUD, FL 34771-7155 |
| Document Number | 2024050134 |
|---|---|
| Date | Apr 18, 2024 |
| Instrument | 2024050134 |
| Name | CORNERSTONE FIRST MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2054 |
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 | $12,082.00 (+810.47%) | $861,508 (+806.85%) | $1,054,800 (+1,010.32%) Land $115,000 Building $939,800 |
| 2023 | $1,327.00 (-0.08%) | $95,000 (-) Land $95,000 | $95,000 (-) Land $95,000 |
| 2022 | $1,328.00 | $95,000 Land $95,000 | $95,000 Land $95,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 |
|
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 76% of the US · above 63% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% 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 | TWA SUNBRIDGE WATER TREATMENT PLANT public/private · serves 542 people · EPA ID FL3494439 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Also Mapped Here | TOHO WATER AUTHORITY-POINCIANA SYSTEM |
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 85 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 Fiber · Cable in parts of the area | 1,000 / 1,000 |
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