5645 Oak Knoll Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5645 Oak Knoll Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,904 sqft · built 2022
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$660,200 (Dec 2022)
Tax Bill	$8,123 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`092531502400011170`

Property Details

APN / Parcel Number

Primary APN	`092531502400011170`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,904 sqft Heated Area
Gross Area	3,607 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Finished
Porch	Open Porch
Porch Area	260 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	5645 OAK KNOLL DR
City	SAINT CLOUD
State	FL
Zip	34771-9395
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPLIT OAK RESERVE PH 2 PB 30 PGS 46-46A LOT 117
Legal Subdivision	SPLIT OAK RESERVE
Legal Phase	2
Legal Lot Number	117
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1031
Census Tract	43700

Owner

5645 Oak Knoll Dr is owned and occupied by an individual who bought it in December 2022.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Mailing Address	5645 OAK KNOLL DR, SAINT CLOUD, FL 34771-9395
Occupancy	Owner Occupied
Owner Type	Individual

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	Name on Deed
Last Sale	Dec 27, 2022 · Amount on File
Deed Sale	Dec 27, 2022 · Amount on File
Deed Document Number	2022184250
Deed Book / Page	6335 / 1695
Record Updated	Jun 8, 2026

December 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 27, 2022
Property Address	5645 OAK KNOLL DR, SAINT CLOUD, FL 34771-9395
Document Number	0063351695
Book / Page	6335 / 1695
Map Reference	MB 30 PG 46&46A
Instrument Date	Dec 20, 2022
Instrument	2022184250
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	PGP TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,621.40
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	5645 OAK KNOLL DR, SAINT CLOUD, FL 34771-9395

Mortgage

Document Number	0063351697
Date	Dec 27, 2022
Instrument	6335/1697

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	8.62%
Type Change Date	Jan 1, 2030
Change Frequency	6 Months
Min Rate At Change	8.62%
Max Rate At Change	13.6%
Index	Other
Margin	4
Max Rate	13.6%

Tax Assessment & Valuation

The 2025 property tax bill for 5645 Oak Knoll Dr was $8,123.

Source: Osceola County assessment roll, as of July 1, 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	$8,123.00	$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 5645 Oak Knoll Dr in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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 5645 Oak Knoll Dr is high, ranking above 76% of the US, with a 0.6% annual chance of wildfire.

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

Wildfire Risk	High above 76% of the US · above 63% of Florida
Wildfire Likelihood	0.6% 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 85 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 Fiber · Cable in parts of the area	1,000 / 1,000