5676 Camilla St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5676 Camilla St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,060 sqft · built 2023
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$508,116 (Feb 2023)
Tax Bill	$6,044 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`162531552500011680`

Property Details

APN / Parcel Number

Primary APN	`162531552500011680`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,060 sqft Heated Area
Gross Area	3,835 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Stucco
Construction Type	Frame
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	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	5676 CAMILLA ST
City	SAINT CLOUD
State	FL
Zip	34771-7644
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WIREGRASS PH 2 PB 30 PGS 170-173 LOT 168
Legal Subdivision	WIREGRASS PHS 2
Legal Phase	2
Legal Lot Number	168
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1038
Census Tract	43700

Owner

5676 Camilla St is owned and occupied by an individual who bought it in February 2023.

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

Owner of Record	Individual Name on File
Mailing Address	5676 CAMILLA ST, SAINT CLOUD, FL 34771-7644
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	Feb 7, 2023 · Amount on File
Deed Sale	Feb 7, 2023 · Amount on File
Deed Document Number	2023014904
Deed Book / Page	6354 / 2569
Record Updated	Jun 8, 2026

February 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 7, 2023
Property Address	5676 CAMILLA ST, SAINT CLOUD, FL 34771-7644
Document Number	0063542569
Book / Page	6354 / 2569
Map Reference	MB 30 PG 170-173
Instrument Date	Jan 30, 2023
Instrument	2023014904
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,557.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8529 SOUTHPARK CIR STE 130, 130, ORLANDO, FL 32819-9016

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5676 CAMILLA ST, SAINT CLOUD, FL 34771-7644

Mortgage

Document Number	0063542571
Date	Feb 7, 2023
Instrument	6354/2571

Lender

Name	TRUSTCO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 13, 2053

Interest

Rate Type	Adjustable Rate
Rate	3.9%
Type Change Date	Jan 13, 2033
Change Frequency	Annually
Min Rate At Change	3.99%
Max Rate At Change	5.9%
Index	Other
Margin	3
Max Rate	9%

Tax Assessment & Valuation

The 2025 property tax bill for 5676 Camilla St was $6,044 with a homeowner's exemption.

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	$6,044.00 Homeowner's exemption	$425,700 Land $75,000 Building $350,700	$425,700 Land $75,000 Building $350,700
2023	$1,669.00 (+117.32%)	$75,000 (+36.36%) Land $75,000	$75,000 (+36.36%) Land $75,000
2022	$768.00	$55,000 Land $55,000	$55,000 Land $55,000

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 5676 Camilla St 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 5676 Camilla St is high, ranking above 82% of the US, with a 0.9% 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 73% of Florida
Wildfire Likelihood	0.9% 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 255 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: Hotwire Communications, Utah Broadband, Xfinity.

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