5681 Arborvista Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5681 Arborvista Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,904 sqft · built 2022
Lot Size	0.14 acres (6,098 sqft)
Owner	Company Name on Record
Last Sale	$725,800 (Oct 2022)
Tax Bill	$8,162 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-25-31-5023-0001-0630`

Property Details

APN / Parcel Number

Primary APN	`09-25-31-5023-0001-0630`
Alternative APN	`253109502300010630`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,904 sqft Living Area
Gross Area	3,607 sqft
1st Floor Area	1,672 sqft
Flooring	Tile

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	408 sqft
Porch	Finished/Open Porch
Porch Area	260 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	5681 ARBORVISTA DR
City	SAINT CLOUD
State	FL
Zip	34771-9311
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPLIT OAK RESERVE PB 29 PGS 121-124 LOT 63
Legal Range	31E
Legal Township	25S
Legal Section	09
Legal Subdivision	SPLIT OAK RESERVE
Legal Lot Number	63
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1031
Census Tract	43700

Owner

Source: Osceola County records, as of August 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	5681 ARBORVISTA DR, SAINT CLOUD, FL 34771-9311
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2022 · Amount on Record
Deed Sale	Oct 6, 2022 · Amount on Record
Deed Document Number	2022148821
Deed Book / Page	6295 / 2816
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 6, 2022
Property Address	5681 ARBORVISTA DR, SAINT CLOUD, FL 34771-9311
Document Number	0062952816
Book / Page	6295 / 2816
Map Reference	MB 29 PG 121-124
Instrument Date	Aug 30, 2022
Instrument	2022148821
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,080.60
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	5681 ARBORVISTA DR, SAINT CLOUD, FL 34771-9311

Mortgage

Document Number	0062952818
Date	Oct 6, 2022
Instrument	6295/2818

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Sep 1, 2027
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	7.87%
Index	1-Year CMT
Max Rate	11.8%

Tax Assessment & Valuation

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	$8,162.00 (+3.99%)	$537,700 (+3.88%) Land $95,800 Building $441,900	$537,700 (+3.88%) Land $95,800 Building $441,900
2023	$7,849.00 (+846.8%)	$517,600 (+617.89%) Land $95,800 Building $421,800	$517,600 (+617.89%) Land $95,800 Building $421,800
2022	$829.00	$72,100 Land $72,100	$72,100 Land $72,100

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

Flood

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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