5645 Nova Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5645 Nova Rd, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 1994
Square Footage	3,338 sqft Heated Area
Lot Size	219,542 sqft (5.04 acres)
Occupancy	Owner Occupied
Last Sale	$411,000 (2019)
Tax Bill	$6,436.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`95683`
Alternative APN	`042631000000420000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Partial Baths	1 Partial Baths
Building Area	3,338 sqft Heated Area
Gross Area	6,730 sqft Gross Area
1st Floor	2,810 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Paneling Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1994
Exterior Material	Aluminum Siding Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Metal Roof
Lot Area	219,542 sqft (5.04 acres)
Parking Spaces	10 Parking Spaces
Garage Type	Mixed Garage
Garage Area	1,024 sqft Garage

Exterior Amenities

Pool Area	49 sqft Pool
Shed	1 Shed
Shed Area	320 sqft Shed
Deck Area	961 sqft Deck
Porch	1 Porch
Porch Area	2,320 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	95683
Street Address	5645 NOVA RD
City	SAINT CLOUD
State	FL
Zip	34771-8654
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	BEG AT NE COR LOT 18 OF SHAKER COLONY SUB SEC 4, RUN W 319.5 FT, S 687.68 FT, E 319.5 FT, N 687.68 FT TO POB 453/571 497/730
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	NOVA ROAD AREA
Legal Block	42
Legal Lot Number	18
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	3
Census Block	3036
Census Tract	43700

Owner

Source: Osceola County records · APN 95683

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	5645 NOVA RD, SAINT CLOUD, FL 34771-8654
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 14, 2019 · Amount on Record
Deed Sale	Jun 14, 2019 · Amount on Record
Deed Doc Number	2019077116
Deed Book / Page	5541 / 1143
Record Refreshed	Jun 08, 2026

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 14, 2019
Property Address	5645 NOVA RD, SAINT CLOUD, FL 34771-8654
Document Number	0055411143
Book / Page	005541 / 001143
Instrument Date	May 31, 2019
Instrument	77116
Transaction Type	Transfer
Record Updated	Jun 26, 2019
Title Company	CLASSIC TITLE AND SOLUTIONS INC, CLASSIC TITLE & SOLUTIONS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,877.00
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	5645 NOVA ROAD SAINT CLOUD ST CLOUD FL 34771, ST CLOUD, FL 34771

Mortgage

Document Number	55411147
Date	Jun 14, 2019
Book Page	005541/001147
Instrument	77117

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 13, 2049

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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	$6,436.00 (+18.2%) Homeowner's exemption	$402,474 (+5.99%)	$519,000 (+2.31%) Land $70,600 Building $448,400
2023	$5,445.00 (+4.31%) Homeowner's exemption	$379,740 (+3%)	$507,300 (+13.85%) Land $70,600 Building $436,700
2022	$5,220.00 Homeowner's exemption	$368,680	$445,600 Land $70,600 Building $375,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone A
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	Not determined for this zone

Wildfire

Wildfire Risk	High above 74% of the US · above 59% of Florida
Wildfire Likelihood	About 1 in 211 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.