Osceola County property record for 5664 Arborvista Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,197 sqft · built 2022 |
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $576,000 (Sep 2022) |
| Tax Bill | $6,237 (2025) |
| Deeds & Mortgages | Oct 2023 Mortgage Sep 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 092531502400011090 |
| Primary APN | 092531502400011090 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,197 sqft Heated Area |
| Gross Area | 2,893 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.139 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Porch Area | 296 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 5664 ARBORVISTA DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9312 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPLIT OAK RESERVE PH 2 PB 30 PGS 46-46A LOT 109 |
| Legal Subdivision | SPLIT OAK RESERVE |
| Legal Phase | 2 |
| Legal Lot Number | 109 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 43700 |
5664 Arborvista Dr is owned and occupied by an individual who bought it in September 2022.
Source: Osceola County records, as of December 11, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5664 ARBORVISTA DR, SAINT CLOUD, FL 34771-9312 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 5, 2023 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC |
| Sep 8, 2023 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC |
| May 28, 2025 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Sep 20, 2022 | Warranty Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC |
| Jul 1, 2022 | Special Warranty Deed, Transfer EXPRESS TITLE, EXPRESS TTL & CLOSING SVCS L |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 20, 2022 · Amount on File |
| Deed Sale | Sep 20, 2022 · Amount on File |
| Prior Sale | Jul 1, 2022 · Amount on File |
| Deed Document Number | 2022142685 |
| Deed Book / Page | 6289 / 179 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5664 ARBORVISTA DR, SAINT CLOUD, FL 34771-9312 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 6664 ARBORVLSTA DRIVE, SAINT CLOUD, FL 34771 |
| Document Number | 0064851786 |
|---|---|
| Date | Oct 5, 2023 |
| Book Page | 6485/1786 |
| Instrument | 2023131562 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Address | BREA, CA 92821 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.37% |
| Type Change Date | Oct 1, 2028 |
| Change Frequency | 6 Months |
| Min Rate At Change | 5% |
| Max Rate At Change | 13.3% |
| Index | SOFR Average 30-Day |
| Margin | 5 |
| Max Rate | 13.3% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5664 ARBORVISTA DR, SAINT CLOUD, FL 34771-9312 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 5664 ARBORVISTA DR, SAINT CLOUD, FL 34771-9312 |
| Document Number | 0064702551 |
|---|---|
| Date | Sep 8, 2023 |
| Book Page | 6470/2551 |
| Instrument | 2023118226 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Address | BREA, CA 92821 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.37% |
| Type Change Date | Oct 1, 2028 |
| Change Frequency | 6 Months |
| Min Rate At Change | 6.37% |
| Max Rate At Change | 10.3% |
| Index | SOFR Average 30-Day |
| Margin | 5 |
| Max Rate | 13.3% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5664 ARBORVISTA DR, SAINT CLOUD, FL 34771-9312 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 5664 ARBORVISTA DR, SAINT CLOUD, FL 34771-9312 |
| Document Number | 0067940443 |
|---|---|
| Date | May 28, 2025 |
| Book Page | 6794/443 |
| Instrument | 2025066701 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 20, 2022 |
| Property Address | 5664 ARBORVISTA DR, SAINT CLOUD, FL 34771-9312 |
| Document Number | 0062890179 |
| Book / Page | 6289 / 179 |
| Map Reference | MB 30 PG 46 |
| Instrument Date | Sep 16, 2022 |
| Instrument | 2022142685 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | LAND CASTLE TITLE, LANDCASTLE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,032.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 93 PATTON BLVD, NEW HYDE PARK, NY 11040-1725 |
| Name | Verified Name |
|---|---|
| Address | 5864 ARBORVISTA DRIVE, SAINT CLOUD, FL 34771 |
| Document Number | 0006289181 |
|---|---|
| Date | Sep 20, 2022 |
| Instrument | 6289/181 |
| Name | CHANGE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7% |
| Type Change Date | Oct 1, 2027 |
| Change Frequency | 6 Months |
| Min Rate At Change | 7% |
| Max Rate At Change | 12% |
| Index | Other |
| Max Rate | 12% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 1, 2022 |
| Property Address | 5664 ARBORVISTA DR, SAINT CLOUD, FL 34771-9312 |
| Document Number | 0062440986 |
| Book / Page | 6244 / 986 |
| Map Reference | MB 30 PG 46&46A |
| Instrument Date | Jun 30, 2022 |
| Instrument | 2022102926 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | EXPRESS TITLE, EXPRESS TTL & CLOSING SVCS L |
| Amount | Amount on Record |
|---|---|
| Tax | $4,125.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4901 VINELAND ROAD STE 500, 500, ORLANDO, FL 32811-7383 |
| Name | Verified Name |
|---|---|
| Address | 93 PATTON BLVD, NEW HYDE PARK, NY 11040-1725 |
The 2025 property tax bill for 5664 Arborvista Dr was $6,237 with a homeowner's exemption.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,237.00 Homeowner's exemption | $439,600 Land $93,000 Building $346,600 | $439,600 Land $93,000 Building $346,600 |
| 2023 | $5,977.00 (+643.41%) Homeowner's exemption | $423,700 (+505.29%) Land $93,000 Building $330,700 | $423,700 (+505.29%) Land $93,000 Building $330,700 |
| 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.
FEMA maps place 5664 Arborvista Dr 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 A, 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 |
|
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 risk around 5664 Arborvista 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.
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 |
| 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.
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 |
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