5653 Quiet Palm Loop, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5653 Quiet Palm Loop, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,755 sqft · built 2022
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on File
Last Sale	$326,000 (Jun 2022)
Tax Bill	$5,483 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-25-31-3492-0001-0420`

Property Details

APN / Parcel Number

Primary APN	`04-25-31-3492-0001-0420`
Alternative APN	`253104349200010420`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,755 sqft Living Area
Gross Area	2,355 sqft
1st Floor Area	894 sqft
Flooring	Tile

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	L-Shape
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,920 sqft (0.09 acres)
Garage Type	Detached
Garage Area	420 sqft
Porch	Finished/Open Porch
Porch Area	180 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	5653 QUIET PALM LOOP
City	SAINT CLOUD
State	FL
Zip	34771-8453
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRIDGEWALK PH 1A PB 30 PGS 50-56 LOT 42
Legal Range	31E
Legal Township	25S
Legal Section	04
Legal Subdivision	BRIDGEWALK TOWNHOMES
Legal Phase	1A
Legal Lot Number	42
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1003
Census Tract	43700

Owner

5653 Quiet Palm Loop is owned and occupied by an individual who bought it in June 2022.

Source: Osceola County records, as of September 11, 2026

Owner of Record	Individual Name on File
Mailing Address	5653 QUIET PALM LOOP, SAINT CLOUD, FL 34771-8453
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

Date	Document
Sep 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 22, 2022	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LENNAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2022 · Amount on File
Deed Sale	Jun 22, 2022 · Amount on File
Deed Document Number	202297836
Deed Book / Page	6238 / 930
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Sep 1, 2026
Property Address	5653 QUIET PALM LOOP, SAINT CLOUD, FL 34771-8453
Document Number	0000113960
Book / Page	7028 / 1831
Instrument Date	Aug 27, 2026
Instrument	2026113960
Transaction Type	Mortgage
Record Updated	Sep 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5653 QUIET PALM LOOP, SAINT CLOUD, FL 34771-8453

Mortgage

Document Number	0000113960,
Date	Sep 1, 2026
Book Page	7028/1831
Instrument	2026113960

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 22, 2022
Property Address	5653 QUIET PALM LOOP, SAINT CLOUD, FL 34771-8453
Document Number	0062380930
Book / Page	6238 / 930
Map Reference	MB 30 PG 50
Instrument Date	May 31, 2022
Instrument	2022097836
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 22, 2024
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,282.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6675 WESTWOOD BLVD # BLVD5TH, BLVD5TH, ORLANDO, FL 32821-8061

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5653 QUIET PALM LOOP, SAINT CLOUD, FL 34771-8453

Mortgage

Document Number	0006238934
Date	Jun 22, 2022
Instrument	6238/934

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 5653 Quiet Palm Loop was $5,483 with a homeowner's exemption.

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	$5,483.00 Homeowner's exemption	$293,372	$310,800 Land $45,000 Building $265,800
2023	$5,198.00 (+144.73%) Homeowner's exemption	$276,800 (+1,297.98%) Land $45,000 Building $231,800	$276,800 (+1,297.98%) Land $45,000 Building $231,800
2022	$2,124.00	$19,800 Land $19,800	$19,800 Land $19,800

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 5653 Quiet Palm Loop 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 AH, 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 5653 Quiet Palm Loop is high, ranking above 82% 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 82% of the US · above 72% 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 EASTERN private · serves 110,102 people · EPA ID FL3490751
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 209 locations within half a mile, as of December 31, 2025

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

May also be available: Xfinity.

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