5589 Winona Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5589 Winona Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,846 sqft · built 2022
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$407,000 (Feb 2025)
Tax Bill	$5,116 (2025)
Deeds & Mortgages	Feb 2025 Re-recorded Document Jan 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-25-31-5034-0001-1840`

Property Details

APN / Parcel Number

Primary APN	`28-25-31-5034-0001-1840`
Alternative APN	`253128503400011840`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,846 sqft Living Area
Gross Area	2,395 sqft
1st Floor Area	1,846 sqft
Flooring	Tile

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	441 sqft
Porch	Finished/Open Porch
Porch Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5589 WINONA DR
City	SAINT CLOUD
State	FL
Zip	34771-9189
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUMMERLY PH 2 PB 30 PGS 195-197 LOT 184
Legal Range	31E
Legal Township	25S
Legal Section	28
Legal Subdivision	SUMMERLY PHS 2 (TEMP)
Legal Phase	2
Legal Lot Number	184
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3002
Census Tract	43700

Owner

5589 Winona Dr is owned and occupied by two individuals who bought it in February 2025.

Source: Osceola County records, as of January 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5589 WINONA DR, SAINT CLOUD, FL 34771-9189
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2025	Re-recorded Document ATTORNEY ONLY, ATTORNEY
Jan 22, 2025	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK
Jul 26, 2022	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 24, 2025 · Amount on File
Deed Sale	Feb 24, 2025 · Amount on File
Prior Sale	Jan 22, 2025 · Amount on File
Deed Document Number	202523199
Deed Book / Page	6744 / 1117
Prior Transfer Date	Jan 17, 2025
Prior Transfer Doc	0067441117
Record Updated	Sep 20, 2026

February 2025: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	OSCEOLA FL
Recording Date	Feb 24, 2025
Property Address	5589 WINONA DR, SAINT CLOUD, FL 34771-9189
Document Number	0067441117
Book / Page	6744 / 1117
Map Reference	MB 30 PG 195-197
Instrument Date	Jan 17, 2025
Instrument	2025023199
Record Updated	Dec 12, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5589 WINONA DR, SAINT CLOUD, FL 34771-9189

January 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 22, 2025
Property Address	5589 WINONA DR, SAINT CLOUD, FL 34771-9189
Document Number	0067290675
Book / Page	6729 / 675
Map Reference	MB 30 PG 195-197
Instrument Date	Jan 17, 2025
Instrument	2025008903
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,849.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5589 WINONA DR, SAINT CLOUD, FL 34771-9189

Mortgage

Document Number	2025008904
Date	Jan 22, 2025
Instrument	2025008904

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2055

July 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 26, 2022
Property Address	5589 WINONA DR, SAINT CLOUD, FL 34771-9189
Document Number	0062580065
Book / Page	6258 / 65
Map Reference	MB 30 PG 195-197
Instrument Date	Jul 22, 2022
Instrument	2022114668
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,982.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10192 DOWDEN RD, ORLANDO, FL 32832-5128

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5589 WINONA DR, SAINT CLOUD, FL 34771-9189

Mortgage

Document Number	0000625866
Date	Jul 26, 2022
Instrument	6258/66

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.35%
Type Change Date	Aug 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8.35%
Index	Other
Margin	3
Max Rate	8.35%

Tax Assessment & Valuation

The 2025 property tax bill for 5589 Winona Dr was $5,116, down 1.7% from the year before.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,116.00 (-1.69%)	$358,700 Land $75,000 Building $283,700	$358,700 Land $75,000 Building $283,700
2024	$5,204.00 (+2.06%)
2023	$5,099.00 (+508.47%) Homeowner's exemption	$360,800 (+501.33%) Land $70,000 Building $290,800	$360,800 (+501.33%) Land $70,000 Building $290,800
2022	$838.00	$60,000 Land $60,000	$60,000 Land $60,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 5589 Winona Dr in Zone X, an area of minimal flood risk.

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 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.

Wildfire

Wildfire risk around 5589 Winona Dr is high, ranking above 82% of the US, with a 0.9% annual chance of wildfire.

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

Wildfire Risk	High above 82% of the US · above 72% of Florida
Wildfire Likelihood	0.9% annual chance
Exposure	Direct burnable vegetation

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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 254 locations within half a mile, as of December 31, 2025

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

May also be available: CenturyLink, Xfinity.

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