5709 Shaker Palm Pl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5709 Shaker Palm Pl, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,676 sqft · built 2019
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Aug 2026)
Tax Bill	$3,607 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jul 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-26-31-0122-0001-2310`

Property Details

APN / Parcel Number

Primary APN	`04-26-31-0122-0001-2310`
Alternative APN	`263104012200012310`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,676 sqft Living Area
Gross Area	2,266 sqft
1st Floor Area	1,676 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	462 sqft
Porch	Finished/Open Porch
Porch Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5709 SHAKER PALM PL
City	SAINT CLOUD
State	FL
Zip	34771-7487
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ESTATES OF WESTERLY PB 26 PGS 193-195 LOT 231
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	ESTATES OF WESTERLY
Legal Lot Number	231
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3026
Census Tract	43700

Owner

5709 Shaker Palm Pl is owned and occupied by two individuals who bought it in August 2026.

Source: Osceola County records, as of August 31, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5709 SHAKER PALM PL, SAINT CLOUD, FL 34771-7487
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Aug 18, 2026	Warranty Deed, Transfer · VA Mortgage AMERICAN PORTFOLIO MORTGAGE CORPORATION
Jul 24, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 27, 2019	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage FBC MORTGAGE LLC
Jul 16, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2026 · Amount on File
Deed Sale	Aug 18, 2026 · Amount on File
Prior Sale	Dec 27, 2019 · Amount on File
Deed Document Number	2026107770
Deed Book / Page	7021 / 2579
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 18, 2026
Property Address	5709 SHAKER PALM PL, SAINT CLOUD, FL 34771-7487
Document Number	0000107770
Book / Page	7021 / 2579
Instrument Date	Aug 18, 2026
Instrument	2026107770
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	WEST ORANGE TITLE INC, WEST ORANGE TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$229,775.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5709 SHAKER PALM PL, SAINT CLOUD, FL 34771-7487

Mortgage

Document Number	0000107771,
Date	Aug 18, 2026
Instrument	2026107771

Lender

Name	AMERICAN PORTFOLIO MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5709 SHAKER PALM PL, SAINT CLOUD, FL 34771-7487
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5709 SHAKER PALM PL, SAINT CLOUD, FL 34771-7487

Mortgage

Document Number	0064450295
Date	Jul 24, 2023
Book Page	6445/295
Instrument	2023095310

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	318 Months
Due	Jan 1, 2050

December 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 27, 2019
Property Address	5709 SHAKER PALM PL, SAINT CLOUD, FL 34771-7487
Document Number	0056481591
Book / Page	5648 / 1591
Map Reference	MB 26 PG 193-195
Instrument Date	Dec 23, 2019
Instrument	2019168136
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,813.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6220 LEE VISTA BLVD # BLVD400, 6220, ORLANDO, FL 32822-5148

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5709 SHAKER PALM PL, SAINT CLOUD, FL 34771-7487

Mortgage

Document Number	0056481592
Date	Dec 27, 2019
Instrument	5648/1592

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 16, 2019
Property Address	5709 SHAKER PALM PL, SAINT CLOUD, FL 34771-7487
Document Number	0055570670
Book / Page	005557 / 000670
Instrument Date	Jul 15, 2019
Instrument	90828
Transaction Type	Transfer
Record Updated	Jul 30, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$16,948.25
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6200 LEE VISTA BLVD #400 ORLANDO FL 328225149, 400, ORLANDO, FL 32822-5149

Tax Assessment & Valuation

The 2025 property tax bill for 5709 Shaker Palm Pl was $3,607 with a homeowner's exemption.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,607.00 Homeowner's exemption	$244,407	$314,700 Land $70,000 Building $244,700
2023	$3,394.00 (+3.63%) Homeowner's exemption	$230,601 (+3%)	$317,100 (+20.07%) Land $65,000 Building $252,100
2022	$3,275.00 Homeowner's exemption	$223,885	$264,100 Land $55,000 Building $209,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5709 Shaker Palm Pl in Zone X, an area of minimal flood risk.

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 70 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	70 in force

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 5709 Shaker Palm Pl 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 62% 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 103 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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