5616 Arborvista Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5616 Arborvista Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,904 sqft · built 2022
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$598,000 (Dec 2022)
Tax Bill	$712 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-25-31-5023-0001-0970`

Property Details

APN / Parcel Number

Primary APN	`09-25-31-5023-0001-0970`
Alternative APN	`253109502300010970`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,904 sqft Living Area
Gross Area	3,607 sqft
1st Floor Area	1,672 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	408 sqft
Porch	Finished/Open Porch
Porch Area	260 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	5616 ARBORVISTA DR
City	SAINT CLOUD
State	FL
Zip	34771-9312
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPLIT OAK RESERVE PB 29 PGS 121-124 LOT 97
Legal Range	31E
Legal Township	25S
Legal Section	09
Legal Subdivision	SPLIT OAK RESERVE
Legal Lot Number	97
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1031
Census Tract	43700

Owner

5616 Arborvista Dr is owned and occupied by two individuals who bought it in December 2022.

Source: Osceola County records, as of August 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5616 ARBORVISTA DR, SAINT CLOUD, FL 34771-9312
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2022 · Amount on File
Deed Sale	Dec 20, 2022 · Amount on File
Deed Document Number	2022181901
Deed Book / Page	6332 / 2103
Record Updated	Sep 20, 2026

December 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 20, 2022
Property Address	5616 ARBORVISTA DR, SAINT CLOUD, FL 34771-9312
Document Number	0063322103
Book / Page	6332 / 2103
Map Reference	MB 29 PG 121-124
Instrument Date	Dec 15, 2022
Instrument	2022181901
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	PGP TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,186.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4901 VINELAND ROAD STE 500, 500, ORLANDO, FL 32811-7383

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5616 ARBORVISTA DR, SAINT CLOUD, FL 34771-9312

Mortgage

Document Number	0063322105
Date	Dec 20, 2022
Instrument	6332/2105

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 5616 Arborvista Dr was $712 with exemptions applied.

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	$712.00 Homeowner's exemption Veteran's exemption	$534,900 Land $93,000 Building $441,900	$534,900 Land $93,000 Building $441,900
2023	$7,810.00 (+871.39%)	$514,800 (+635.43%) Land $93,000 Building $421,800	$514,800 (+635.43%) Land $93,000 Building $421,800
2022	$804.00	$70,000 Land $70,000	$70,000 Land $70,000

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 5616 Arborvista Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
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	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

Wildfire risk around 5616 Arborvista Dr is high, ranking above 71% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 71% of the US · above 54% of Florida
Wildfire Likelihood	0.5% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 278 locations within half a mile, as of December 31, 2025

Provider	Max 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