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  5. Stephens Rd

5774 Stephens Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5774 Stephens Rd, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details5 bd · 4 ba · 3,798 sqft · built 2024
Lot Size0.169 acres (7,405 sqft)
OwnerIndividual Name on Record
Last Sale$687,500 (Jun 2024)
Tax Bill$12,746 (2025)
Deeds & MortgagesJun 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN042531349300012500

Property Details

APN / Parcel Number

Primary APN042531349300012500

Interior

Bedrooms5 Beds
Full Baths4 Baths
Stories2 Stories
Building Area3,798 sqft Heated Area
Gross Area4,868 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2024
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,405 sqft (0.169 acres)
Garage TypeFinished
PorchOpen Porch
Porch Area270 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Street Address5774 STEPHENS RD
CitySAINT CLOUD
StateFL
Zip34771-8456
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBRIDGEWALK PH 1B 2A & 2B PB 32 PGS 143-147 LOT 250
Legal Phase1B
Legal Lot Number250
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1003
Census Tract43700

Owner

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

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

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address5774 STEPHENS RD, SAINT CLOUD, FL 34771-8456
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 7, 2024 · Amount on Record
Deed SaleJun 7, 2024 · Amount on Record
Deed Document Number2024075226
Deed Book / Page6613 / 1179
Record UpdatedJun 8, 2026

June 2024: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 7, 2024
Property Address5774 STEPHENS RD, SAINT CLOUD, FL 34771-8456
Document Number0066131179
Book / Page6613 / 1179
Map ReferenceMB 32 PG 143
Instrument DateMay 29, 2024
Instrument2024075226
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 12, 2025
Title CompanyLENNAR TITLE INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$4,812.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6675 WESTWOOD BLVD # BLVD5TH, BLVD5TH, ORLANDO, FL 32821-8061

Transferred To (Grantee/Buyer)

NameVerified Name
Address5774 STEPHENS RD, SAINT CLOUD, FL 34771-8456

Mortgage

Document Number2024075227
DateJun 7, 2024
Instrument2024075227
Lender
NameFIRST HORIZON BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 1, 2054
Interest
Rate TypeAdjustable Rate
Rate6.75%
Type Change DateJun 1, 2031
Change Frequency6 Months
Min Rate At Change2.75%
Max Rate At Change11.7%
IndexSOFR Average 30-Day
Max Rate11.7%

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$12,746.00 (+433.08%)$648,200 (+764.27%) Land $90,000 Building $558,200$648,200 (+764.27%) Land $90,000 Building $558,200
2023$2,391.00 (+1,357.93%)$75,000 (+535.59%) Land $75,000$75,000 (+535.59%) Land $75,000
2022$164.00$11,800 Land $11,800$11,800 Land $11,800

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AH, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 330 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies330 in force
Nearby Flood Claims18 (2004–2022)
Claims Outside the SFHA1 of 18
Most Recent ClaimOct 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 RiskHigh
above 86% of the US · above 78% of Florida
Wildfire Likelihood0.9% annual chance
ExposureDirect
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 SystemTOHO WATER AUTHORITY EASTERN
private · serves 110,102 people · EPA ID FL3490751
Water SourceGroundwater
Last State InspectionJun 2025
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 209 locations within half a mile, as of December 31, 2025

ProviderMax 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: Xfinity.

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