5705 Sundial Ter, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5705 Sundial Ter, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,830 sqft · built 2022
Lot Size	0.13 acres (5,662 sqft)
Owner	2 Individual Names on File
Last Sale	$429,990 (Jun 2023)
Tax Bill	$5,299 (2025)
Deeds & Mortgages	Nov 2024 Mortgage Jun 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`10-25-31-5174-0001-0020`

Property Details

APN / Parcel Number

Primary APN	`10-25-31-5174-0001-0020`
Alternative APN	`253110517400010020`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,830 sqft Living Area
Gross Area	2,396 sqft
1st Floor Area	1,830 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	5,662 sqft (0.13 acres)
Garage Type	Attached
Garage Area	462 sqft
Porch	Finished/Open Porch
Porch Area	104 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5705 SUNDIAL TER
City	SAINT CLOUD
State	FL
Zip	34771-8485
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNCREST PB 30 PGS 104-107 LOT 2
Legal Range	31E
Legal Township	25S
Legal Section	10
Legal Subdivision	SUNCREST
Legal Lot Number	2
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1013
Census Tract	43700

Owner

5705 Sundial Ter is owned and occupied by two individuals who acquired it in November 2024.

Source: Osceola County records, as of November 26, 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	2 Individual Names on File
Mailing Address	5705 SUNDIAL TER, SAINT CLOUD, FL 34771-8485
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2024	Intrafamily Transfer, Transfer · Conventional Mortgage CHRISTIAN COMMUNITY CU
Jun 13, 2023	Special Warranty Deed, Subdivision Related Transfer DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2023 · Amount on File
Deed Sale	Jun 13, 2023 · Amount on File
Deed Document Number	202376316
Deed Book / Page	6423 / 2653
Last Transfer Date	Nov 12, 2024
Transfer Doc	0067011505
Record Updated	Jun 8, 2026

November 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Nov 22, 2024
Property Address	5705 SUNDIAL TER, SAINT CLOUD, FL 34771-8485
Document Number	0067011505
Book / Page	6701 / 1505
Map Reference	MB 30 PG 104-107
Instrument Date	Nov 12, 2024
Instrument	2024149696
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5705 SUNDIAL TER, SAINT CLOUD, FL 34771-8485

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5705 SUNDIAL TER, SAINT CLOUD, FL 34771-8485

Mortgage

Document Number	0067011508
Date	Nov 22, 2024
Instrument	6701/1508

Lender

Name	CHRISTIAN COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2054

June 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 13, 2023
Property Address	5705 SUNDIAL TER, SAINT CLOUD, FL 34771-8485
Document Number	0064232653
Book / Page	6423 / 2653
Map Reference	MB 30 PG 104-107
Instrument Date	Jun 9, 2023
Instrument	2023076316
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount on Record
Tax	$3,010.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10192 DOWDEN RD, ORLANDO, FL 32832-5128

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	5705 SUNDIAL TER, SAINT CLOUD, FL 34771-8485

Tax Assessment & Valuation

The 2025 property tax bill for 5705 Sundial Ter was $5,299, up 2% from the year before.

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	$5,299.00 (+2.02%)	$371,900 Land $80,000 Building $291,900	$371,900 Land $80,000 Building $291,900
2024	$5,194.00 (-9.37%)
2023	$5,731.00 (+412.61%)	$365,900 (+357.38%) Land $80,000 Building $285,900	$365,900 (+357.38%) Land $80,000 Building $285,900
2022	$1,118.00	$80,000 Land $80,000	$80,000 Land $80,000

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 5705 Sundial Ter in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 2004.

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
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	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 5705 Sundial Ter is high, ranking above 79% of the US, with a 0.7% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 79% of the US · above 67% of Florida
Wildfire Likelihood	0.7% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 205 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications, Xfinity.

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