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5557 Potenza Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5557 Potenza Dr, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,496 sqft · built 2019
Lot Size0.2 acres (8,712 sqft)
OwnerIndividual Name on File
Last Sale$406,400 (Jun 2019)
Tax Bill$5,210 (2025)
Deeds & MortgagesOct 2021 Second Mortgage
Jul 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN092531502100011190

Property Details

APN / Parcel Number

Primary APN092531502100011190

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,496 sqft Heated Area
Gross Area3,408 sqft
1st Floor Area2,496 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2019
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,712 sqft (0.2 acres)
Garage TypeFinished
Garage Area560 sqft
PorchOpen Porch
Porch Area352 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address5557 POTENZA DR
CitySAINT CLOUD
StateFL
Zip34771-9127
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSPLIT OAK ESTATES PB 26 PGS 19-22 LOT 119
Legal Range31E
Legal Township25S
Legal Section09
Legal SubdivisionSPLIT OAK ESTATES/RESERVE
Legal Tract5021
Legal Lot Number119
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1017
Census Tract43700

Owner

Source: Osceola County records, as of December 11, 2025

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 RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address5557 POTENZA DR, SAINT CLOUD, FL 34771-9127
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 20, 2021Deed of Trust, Mortgage · Stand-Alone Second Mortgage
BAXTER CU
Jul 17, 2020Deed of Trust, Mortgage · Conventional Mortgage
BAXTER CU
Jun 19, 2019Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
PULTE MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 19, 2019 · Amount on File
Deed SaleJun 19, 2019 · Amount on File
Deed Document Number2019079117
Deed Book / Page5544 / 0091
Record UpdatedJun 8, 2026

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5557 POTENZA DR, SAINT CLOUD, FL 34771-9127
Transaction TypeMortgage
Record UpdatedDec 12, 2025
Title CompanyMORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

NameVerified Name
Address5557 POTENZA DR, SAINT CLOUD, FL 34771-9127

Mortgage

Document Number0060690539
DateOct 20, 2021
Book Page6069/539
Instrument2021163417
Lender
NameBAXTER CU
TypeCredit Union
AddressVERNON HILLS, IL 60061
Agreement
TypeStand-Alone Second Mortgage
AmountAmount on Record
Term180 Months
DueOct 30, 2036

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5557 POTENZA DR, SAINT CLOUD, FL 34771-9127
Document Number0057591211
Instrument DateJul 17, 2020
Transaction TypeMortgage
Record UpdatedAug 28, 2020
Title CompanyMORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address5557 POTENZA DR ST CLOUD FL 347719127, ST CLOUD, FL 34771-9127

Mortgage

Document Number0057591211
DateJul 22, 2020
Book Page005759/001211
Instrument95442
Lender
NameBAXTER CU
TypeCredit Union
AddressVERNON HILLS, IL 60061
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term180 Months
DueJul 21, 2035

June 2019: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 19, 2019
Property Address5557 POTENZA DR, SAINT CLOUD, FL 34771-9127
Document Number0055440091
Book / Page5544 / 0091
Map ReferenceMB 26 PG 19-22
Instrument DateJun 18, 2019
Instrument2019079117
Transaction TypeSubdivision Related Transfer
Record UpdatedMay 2, 2022
Title CompanyDBA PGP TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,844.80
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4901 VINELAND RD STE 500, 4901, ORLANDO, FL 32811-7383

Transferred To (Grantee/Buyer)

NameVerified Name
Address5557 POTENZA DR, SAINT CLOUD, FL 34771-9127

Mortgage

Document Number0000554493
DateJun 19, 2019
Instrument5544/93
Lender
NamePULTE MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term241 Months
DueJul 1, 2039

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,210.00 (+6.83%) Homeowner's exemption$365,532 (+5.99%)$460,700 (-6.09%) Land $90,000 Building $370,700
2023$4,877.00 (+3.88%) Homeowner's exemption$344,885 (+3%)$490,600 (+16.87%) Land $90,000 Building $400,600
2022$4,695.00 Homeowner's exemption$334,840$419,800 Land $80,000 Building $339,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 330 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies330 in force
Nearby Flood Claims18 (2004–2022)
Claims Outside the SFHA1 of 18
Most Recent ClaimOct 2022 · Hurricane Ian
Claims by Event
  • Hurricane Ian, Oct 2022 · 2 claims
  • Hurricane Ian, Sep 2022 · 5 claims
  • Hurricane Frances, Sep 2004 · 6 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskHigh
above 71% of the US · above 54% of Florida
Wildfire Likelihood0.5% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemTWA SUNBRIDGE WATER TREATMENT PLANT
public/private · serves 542 people · EPA ID FL3494439
Water SourceGroundwater
Last State InspectionJan 2025
Also Mapped HereTOHO WATER AUTHORITY-POINCIANA SYSTEM
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 278 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Xfinity
Cable		2,000 / 250
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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