Osceola County property record for 5565 Winona Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,884 sqft · built 2021 |
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $364,990 (Jul 2021) |
| Tax Bill | $6,353 (2025) |
| Deeds & Mortgages | Jun 2024 Line of Credit Jul 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 282531503100010530 |
| Primary APN | 282531503100010530 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,884 sqft Heated Area |
| Gross Area | 3,465 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 |
| Porch Area | 98 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 5565 WINONA DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9171 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUMMERLY PB 29 PGS 125-130 LOT 53 |
| Legal Subdivision | SUMMERLY |
| Legal Lot Number | 53 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 43700 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 5565 WINONA DR, SAINT CLOUD, FL 34771-9171 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 5, 2024 | Deed of Trust, Mortgage · Line of Credit TEACHERS FCU |
| Jul 1, 2021 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage BROKER SOLUTIONS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 1, 2021 · Amount on Record |
| Deed Sale | Jul 1, 2021 · Amount on Record |
| Deed Document Number | 2021102712 |
| Deed Book / Page | 5993 / 839 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5565 WINONA DR, SAINT CLOUD, FL 34771-9171 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 5565 WINONA DR, SAINT CLOUD, FL 34771-9171 |
| Document Number | 0066121220 |
|---|---|
| Date | Jun 5, 2024 |
| Book Page | 6612/1220 |
| Instrument | 2024074432 |
| Name | TEACHERS FCU |
|---|---|
| Type | Credit Union |
| Address | HAUPPAUGE, NY 11788 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | May 16, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 1, 2021 |
| Property Address | 5565 WINONA DR, SAINT CLOUD, FL 34771-9171 |
| Document Number | 0059930839 |
| Book / Page | 5993 / 839 |
| Map Reference | MB 29 PG 125-130 |
| Instrument Date | Jun 25, 2021 |
| Instrument | 2021102712 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,555.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10192 DOWDEN RD, ORLANDO, FL 32832-5128 |
| Name | Verified Name |
|---|---|
| Address | 5565 WINONA DR, SAINT CLOUD, FL 34771-9171 |
| Document Number | 0005993840 |
|---|---|
| Date | Jul 1, 2021 |
| Instrument | 5993/840 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2051 |
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 | $6,353.00 (-0.35%) Homeowner's exemption | $448,000 (-0.93%) Land $75,000 Building $373,000 | $448,000 (-0.93%) Land $75,000 Building $373,000 |
| 2023 | $6,375.00 (+7.7%) Homeowner's exemption | $452,200 (+18.28%) Land $70,000 Building $382,200 | $452,200 (+18.28%) Land $70,000 Building $382,200 |
| 2022 | $5,919.00 | $382,300 Land $60,000 Building $322,300 | $382,300 Land $60,000 Building $322,300 |
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 70 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 70 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 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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