5810 Waterman Path, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5810 Waterman Path, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,062 sqft · built 2024
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on File
Last Sale	$400,400 (Dec 2024)
Tax Bill	$7,747 (2025)
Deeds & Mortgages	Dec 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`222531366100011830`

Property Details

APN / Parcel Number

Primary APN	`222531366100011830`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,062 sqft Heated Area
Gross Area	2,632 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,485 sqft (0.08 acres)
Garage Type	Finished
Porch	Open Porch
Porch Area	42 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5810 WATERMAN PATH
City	SAINT CLOUD
State	FL
Zip	34771-8152
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CROSSINGS PH 1 PB 33 PGS 53-60 LOT 183
Legal Phase	1
Legal Lot Number	183
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1053
Census Tract	43700

Owner

Source: Osceola County records · APN 222531366100011830

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	5810 WATERMAN PATH, SAINT CLOUD, FL 34771-8152
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 16, 2024 · Amount on Record
Deed Sale	Dec 16, 2024 · Amount on Record
Deed Document Number	2024157751
Deed Book / Page	6710 / 2976
Record Updated	Jun 08, 2026

December 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 16, 2024
Property Address	5810 WATERMAN PATH, SAINT CLOUD, FL 34771-8152
Document Number	0067102976
Book / Page	6710 / 2976
Map Reference	MB 33 PG 53-60
Instrument Date	Dec 10, 2024
Instrument	2024157751
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,802.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3020 S FLORIDA AVE STE 101, 101, LAKELAND, FL 33803-4058

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5810 WATERMAN PATH, SAINT CLOUD, FL 34771-8152

Mortgage

Document Number	2024157752
Date	Dec 16, 2024
Instrument	2024157752

Lender

Name	VANDERBILT MORTGAGE & FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2055

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,747.00	$341,500 Land $60,000 Building $281,500	$341,500 Land $60,000 Building $281,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970437001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 330 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	330 in force 293 of 330 on primary residences
Nearby Flood Claims	18 (2004–2022)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 2022, tidal / storm surge, Hurricane Ian
Flood Events	Hurricane Ian (Oct 2022), 2 claims Hurricane Ian (Sep 2022), 5 claims Hurricane Frances (Sep 2004), 6 claims

Wildfire

Wildfire Risk	High above 88% of the US · above 80% of Florida
Wildfire Likelihood	About 1 in 110 per year
Exposure	Direct burnable vegetation at the parcel

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.