5655 Stephens Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5655 Stephens Rd, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2022
Square Footage	2,437 sqft Heated Area
Lot Size	7,405 sqft (0.169 acres)
Garage	Finished
Last Sale	$460,600 (2022)
Tax Bill	$9,673.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`042531349200011030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,437 sqft Heated Area
Gross Area	3,475 sqft Gross Area
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2022
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	7,405 sqft (0.169 acres)
Garage Type	Finished Garage
Porch	Open Porch
Porch Area	377 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	5655 STEPHENS RD
City	SAINT CLOUD
State	FL
Zip	34771-8455
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	BRIDGEWALK PH 1A PB 30 PGS 50-56 LOT 103
Legal Subdivision	BRIDGEWALK
Legal Phase	1A
Legal Lot Number	103
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1003
Census Tract	43700

Owner

Source: Osceola County records · APN 042531349200011030

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	Individual Name on File
Mailing Address	3227 UPLAND PT, OVIEDO, FL 32765-6877
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 03, 2022 · Amount on Record
Deed Sale	Jun 03, 2022 · Amount on Record
Deed Doc Number	2022087041
Deed Book / Page	6226 / 392
Record Refreshed	Jun 08, 2026

June 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 03, 2022
Property Address	5655 STEPHENS RD, SAINT CLOUD, FL 34771-8455
Document Number	0062260392
Book / Page	6226 / 392
Map Reference	MB 30 PG 50
Instrument Date	May 24, 2022
Instrument	2022087041
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 22, 2024
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,224.20
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3227 UPLAND PT, OVIEDO, FL 32765-6877

Mortgage

Document Number	0006226396
Date	Jun 03, 2022
Instrument	6226/396

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2052

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
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,673.00 (+3.78%)	$426,400 (+5.44%) Land $90,000 Building $336,400	$426,400 (+5.44%) Land $90,000 Building $336,400
2023	$9,321.00 (+105.44%)	$404,400 (+522.15%) Land $75,000 Building $329,400	$404,400 (+522.15%) Land $75,000 Building $329,400
2022	$4,537.00	$65,000 Land $65,000	$65,000 Land $65,000

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 X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	High above 88% of the US · above 81% of Florida
Wildfire Likelihood	About 1 in 108 per year
Exposure	Direct burnable vegetation at the parcel

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