Osceola County property record for 5809 Arboretum St, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2023 |
| Square Footage | 1,830 sqft Heated Area |
| Lot Size | 6,098 sqft (0.139 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $431,990 (2023) |
| Tax Bill | $4,643.00 (2025) |
| Primary APN | 222531475100011750 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,830 sqft Heated Area |
| Gross Area | 2,396 sqft Gross Area |
| Stories | 1 Story |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.139 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Porch Area | 104 sqft Porch |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 5809 ARBORETUM ST |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7659 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PRAIRIE OAKS PB 31 PGS 166-172 LOT 175 |
| Legal Lot Number | 175 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 43700 |
Source: Osceola County records · APN 222531475100011750
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 5809 ARBORETUM ST, SAINT CLOUD, FL 34771-7659 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 30, 2025 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Sep 12, 2023 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage DHI MORTGAGE COMPANY LTD |
| Jul 13, 2022 | Special Warranty Deed, Construction Loan ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 12, 2023 · Amount on Record |
| Deed Sale | Sep 12, 2023 · Amount on Record |
| Prior Sale | Jul 13, 2022 · Amount on Record |
| Deed Document Number | 2023119632 |
| Deed Book / Page | 6472 / 989 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5809 ARBORETUM ST, SAINT CLOUD, FL 34771-7659 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 5809 ARBORETUM ST, SAINT CLOUD, FL 34771-7659 |
| Document Number | 0067792564 |
|---|---|
| Date | Apr 30, 2025 |
| Book Page | 6779/2564 |
| Instrument | 2025054624 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 342 Months |
| Due | Oct 01, 2053 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 12, 2023 |
| Property Address | 5809 ARBORETUM ST, SAINT CLOUD, FL 34771-7659 |
| Document Number | 0064720989 |
| Book / Page | 6472 / 989 |
| Map Reference | MB 31 PG 166-172 |
| Instrument Date | Sep 08, 2023 |
| Instrument | 2023119632 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,024.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10192 DOWDEN RD, ORLANDO, FL 32832-5128 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5809 ARBORETUM ST, SAINT CLOUD, FL 34771-7659 |
| Document Number | 0006472992 |
|---|---|
| Date | Sep 12, 2023 |
| Instrument | 6472/992 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2053 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 13, 2022 |
| Property Address | 5809 ARBORETUM ST, SAINT CLOUD, FL 34771-7659 |
| Document Number | 0062502966 |
| Book / Page | 6250 / 2966 |
| Map Reference | MB 31 PG 167 |
| Instrument Date | Jul 12, 2022 |
| Instrument | 2022108483 |
| Transaction Type | Construction Loan |
| Record Updated | Dec 12, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $66,920.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8529 SOUTHPARK CIR STE 130, 130, ORLANDO, FL 32819-9016 |
| Name | Verified Name |
|---|---|
| Address | 10192 DOWDEN RD, ORLANDO, FL 32832-5128 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,643.00 (+343.46%) Homeowner's exemption | $324,545 (+332.73%) | $365,400 (+387.2%) Land $75,000 Building $290,400 |
| 2023 | $1,047.00 (+114.11%) | $75,000 (+114.29%) Land $75,000 | $75,000 (+114.29%) Land $75,000 |
| 2022 | $489.00 | $35,000 Land $35,000 | $35,000 Land $35,000 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Wildfire Risk | High above 86% of the US · above 78% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 97 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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