Osceola County property record for 5640 Ron Rd, Saint Cloud, FL 34771
| Property Type | Mobile Home |
|---|---|
| Details | 7 bd · 7 ba · 5,532 sqft · built 2017 |
| Lot Size | 4.73 acres (206,038 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $19,328 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Feb 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-25-31-4260-0001-0381 |
| Primary APN | 09-25-31-4260-0001-0381 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 7 Baths |
| Building Area | 5,532 sqft Living Area |
| Gross Area | 8,213 sqft |
| 1st Floor Area | 4,988 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | L-Shape |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 206,038 sqft (4.73 acres) |
| Garage Area | 3,000 sqft |
| Pool Area | 72 sqft |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 1,136 sqft |
| Deck Area | 56 sqft |
| Gazebo | 800 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 5640 RON RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7991 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | AC |
| Legal Description | NEW MAP OF NARCOOSSEE PB 1 PG 73 & 74 BEG AT NE COR LOT 38, S 658.45 FT ALONG W/L OF LOT 24 COUNTRY MEADOW WEST UNIT 1 PB 2 PG 257 TO SE COR OF LOT 38, W 312.93 FT, N 658.04 FT TO N/L LOT 38 & S R/W RON RD, E 312.93 FT TO POB |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 09 |
| Legal Subdivision | NARCOOSSEE NEW MAP OF |
| Legal Tract | 4260 |
| Legal Block | 381 |
| Legal Lot Number | 381 |
| Legal Unit | 1P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 43700 |
Source: Osceola County records · APN 09-25-31-4260-0001-0381
Assessment roll updated November 26, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 5640 RON RD, SAINT CLOUD, FL 34771-7991 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Jan 23, 2026 | Deed of Trust, Mortgage · Commercial Mortgage RENASANT BANK |
| Feb 02, 2023 | Deed of Trust, Mortgage · Conventional Mortgage INNOVATIVE MORTGAGE SERVICES |
| Mar 05, 2024 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 16, 2016 |
| Deed Sale | Nov 16, 2016 |
| Prior Sale | Nov 16, 2016 · Amount on Record |
| Deed Document Number | 2016172402 |
| Deed Book / Page | 5057 / 1330 |
| Last Transfer Date | Feb 05, 2024 |
| Transfer Doc | 0065592377 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5650 RON RD, SAINT CLOUD, FL 34771-7991 |
| Transaction Type | Mortgage |
| Record Updated | Feb 06, 2026 |
| Name | Verified Name |
|---|---|
| Address | 5650 RON RD, SAINT CLOUD, FL 34771-7991 |
| Document Number | 0069121865 |
|---|---|
| Date | Jan 23, 2026 |
| Book Page | 6912/1865 |
| Instrument | 2026010723 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38804 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jan 15, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5650 RON RD, SAINT CLOUD, FL 34771-7991 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 5650 RON RD, SAINT CLOUD, FL 34771-7991 |
| Document Number | 0063530192 |
|---|---|
| Date | Feb 02, 2023 |
| Book Page | 6353/192 |
| Instrument | 2023013275 |
| Name | INNOVATIVE MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Address | LUTZ, FL 33558 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 05, 2024 |
| Property Address | 5650 RON RD, SAINT CLOUD, FL 34771-7991 |
| Document Number | 0065592377 |
| Book / Page | 6559 / 2377 |
| Map Reference | MB 1 PGS 73 AND 74 |
| Instrument Date | Feb 05, 2024 |
| Instrument | 2024028540 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5640 RON RD, SAINT CLOUD, FL 34771-7991 |
| Name | Verified Name |
|---|---|
| Address | 5640 RON RD, SAINT CLOUD, FL 34771-7991 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $19,328.00 (+13.69%) | $1,353,600 (+196.45%) Land $283,800 Building $1,069,800 | $1,353,600 (+196.45%) Land $283,800 Building $1,069,800 |
| 2024 | $17,000.00 (+130.04%) | ||
| 2023 | $7,390.00 (+22.47%) | $456,600 (+16.93%) Land $155,100 Building $301,500 | $456,600 (+16.93%) Land $155,100 Building $301,500 |
| 2022 | $6,034.00 | $390,500 Land $155,100 Building $235,400 | $390,500 Land $155,100 Building $235,400 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 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 |
|
| Wildfire Risk | High above 76% of the US · above 63% of Florida |
|---|---|
| Wildfire Likelihood | 0.6% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
Based on FCC filings for 85 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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