Osceola County property record for 5685 Arborvista Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,197 sqft · built 2022 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $511,000 (Nov 2022) |
| Tax Bill | $6,842 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Feb 2025 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-25-31-5023-0001-0640 |
| Primary APN | 09-25-31-5023-0001-0640 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,197 sqft Living Area |
| Gross Area | 2,893 sqft |
| 1st Floor Area | 2,197 sqft |
| Flooring | Carpet |
| 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 | 400 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 296 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 5685 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 64 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 09 |
| Legal Subdivision | SPLIT OAK RESERVE |
| Legal Lot Number | 64 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 43700 |
Source: Osceola County records, as of August 11, 2026
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 | 2 Company Names on Record |
|---|---|
| Mailing Address | 13735 161ST PL SE, RENTON, WA 98059-6834 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Jul 30, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL BANK |
| Feb 13, 2025 | Intrafamily Transfer, Transfer |
| Nov 30, 2022 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PULTE MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 30, 2022 · Amount on Record |
| Deed Sale | Nov 30, 2022 · Amount on Record |
| Deed Document Number | 2022172181 |
| Deed Book / Page | 6322 / 454 |
| Last Transfer Date | Jan 11, 2025 |
| Transfer Doc | 0067400987 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 30, 2026 |
| Property Address | 5685 ARBORVISTA DR, SAINT CLOUD, FL 34771-9311 |
| Document Number | 0000099753 |
| Book / Page | 7012 / 826 |
| Instrument Date | Jul 27, 2026 |
| Instrument | 202699753 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant, 269 |
| Address | 13735 161ST PL SE, RENTON, WA 98059-6834 |
| Document Number | 0000099753, |
|---|---|
| Date | Jul 30, 2026 |
| Book Page | 7012/826 |
| Instrument | 202699753 |
| Name | FIRST FEDERAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.49% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 13, 2025 |
| Property Address | 5685 ARBORVISTA DR, SAINT CLOUD, FL 34771-9311 |
| Document Number | 0067400987 |
| Book / Page | 6740 / 987 |
| Map Reference | MB 29 PG 121 |
| Instrument Date | Jan 11, 2025 |
| Instrument | 2025019274 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13735 161ST PL SE, RENTON, WA 98059-6834 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 30, 2022 |
| Property Address | 5685 ARBORVISTA DR, SAINT CLOUD, FL 34771-9311 |
| Document Number | 0063220454 |
| Book / Page | 6322 / 454 |
| Map Reference | MB 29 PG 121-124 |
| Instrument Date | Nov 21, 2022 |
| Instrument | 2022172181 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | PGP TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,577.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4901 VINELAND ROAD STE 500, 500, ORLANDO, FL 32811-7383 |
| Name | Verified Name |
|---|---|
| Address | 13735 161ST PL SE, RENTON, WA 98059-6834 |
| Document Number | 0006322456 |
|---|---|
| Date | Nov 30, 2022 |
| Instrument | 6322/456 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2052 |
Source: Osceola County assessment roll, as of November 26, 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 | $6,842.00 (-1.23%) | $442,400 (+3.73%) Land $95,800 Building $346,600 | $442,400 (+3.73%) Land $95,800 Building $346,600 |
| 2024 | $6,927.00 (+5.32%) | ||
| 2023 | $6,577.00 (+693.37%) | $426,500 (+491.54%) Land $95,800 Building $330,700 | $426,500 (+491.54%) Land $95,800 Building $330,700 |
| 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.
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 |
|
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.
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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