Osceola County property record for 5548 Veneta Way, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,996 sqft · built 2021 |
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $339,200 (May 2021) |
| Tax Bill | $4,235 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage May 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 212531497800011880 |
| Primary APN | 212531497800011880 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,996 sqft Heated Area |
| Gross Area | 2,582 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Exterior Material | Concrete Block |
| 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 |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 5548 VENETA WAY |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9424 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SIENA RESERVE PH 2A & 2B PB 29 PGS 42-47 LOT 188 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 21 |
| Legal Subdivision | SIENA RESERVE |
| Legal Phase | 2A |
| Legal Tract | 4978 |
| Legal Lot Number | 188 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 43700 |
5548 Veneta Way is owned and occupied by an individual who bought it in May 2021.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 5548 VENETA WAY, SAINT CLOUD, FL 34771-9424 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Feb 7, 2022 | Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC |
| May 26, 2022 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Mar 7, 2024 | Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC |
| May 12, 2021 | Special Warranty Deed, Transfer · FHA Mortgage NVR MORTGAGE FINANCE INC |
| Dec 28, 2020 | Grant Deed, Transfer NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 12, 2021 · Amount on File |
| Deed Sale | May 12, 2021 · Amount on File |
| Prior Sale | Dec 28, 2020 · Amount on File |
| Deed Document Number | 2021073291 |
| Deed Book / Page | 5956 / 2504 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5548 VENETA WAY, SAINT CLOUD, FL 34771-9424 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 5548 VENETA WAY, SAINT CLOUD, FL 34771-9424 |
| Document Number | 0061442632 |
|---|---|
| Date | Feb 7, 2022 |
| Book Page | 6144/2632 |
| Instrument | 2022020263 |
| Name | LOANCARE LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 352 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5548 VENETA WAY, SAINT CLOUD, FL 34771-9424 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 5568 VENETA WAY, SAINT CLOUD, FL 34771-9424 |
| Document Number | 0062211756 |
|---|---|
| Date | May 26, 2022 |
| Book Page | 6221/1756 |
| Instrument | 2022083165 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 352 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5548 VENETA WAY, SAINT CLOUD, FL 34771-9424 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 5548 VENETA WAY, SAINT CLOUD, FL 34771-9424 |
| Document Number | 0065611501 |
|---|---|
| Date | Mar 7, 2024 |
| Book Page | 6561/1501 |
| Instrument | 2024029983 |
| Name | LOANCARE LLC |
|---|---|
| Type | Mortgage Company |
| Address | 3637 SENTARA WAY, VIRGINIA BEACH, VA 23452 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 327 Months |
| Due | Jun 1, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 12, 2021 |
| Property Address | 5548 VENETA WAY, SAINT CLOUD, FL 34771-9424 |
| Document Number | 0059562504 |
| Book / Page | 5956 / 2504 |
| Map Reference | MB 29 PG 42-47 |
| Instrument Date | May 11, 2021 |
| Instrument | 2021073291 |
| 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 | $2,374.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4307 VINELAND ROAD # RDH16, RDH16, ORLANDO, FL 32811-7178 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5548 VENETA WAY, SAINT CLOUD, FL 34771-9424 |
| Document Number | 0059562506 |
|---|---|
| Date | May 12, 2021 |
| Instrument | 5956/2506 |
| Name | NVR MORTGAGE FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 28, 2020 |
| Property Address | 5548 VENETA WAY, SAINT CLOUD, FL 34771-9424 |
| Document Number | 0058590506 |
| Book / Page | 005859 / 000506 |
| Instrument Date | Dec 17, 2020 |
| Instrument | 175677 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2021 |
| Title Company | NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC |
| Amount | Amount on Record |
|---|---|
| Tax | $1,055.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1409 TECH BLVD #202 TAMPA FL 336197830, 202, TAMPA, FL 33619-7830 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 5548 Veneta Way was $4,235 with a homeowner's exemption.
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 | $4,235.00 Homeowner's exemption | $295,124 | $344,300 Land $75,000 Building $269,300 |
| 2023 | $3,914.00 (+4.12%) Homeowner's exemption | $275,937 (+3%) | $325,600 (+21.54%) Land $70,000 Building $255,600 |
| 2022 | $3,759.00 Homeowner's exemption | $267,900 Land $60,000 Building $207,900 | $267,900 Land $60,000 Building $207,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5548 Veneta Way 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 5548 Veneta Way is high, ranking above 79% 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 79% of the US · above 68% 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 216 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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