5813 Arboretum St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5813 Arboretum St, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,830 sqft · built 2023
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$434,990 (Aug 2023)
Tax Bill	$5,109 (2025)
Deeds & Mortgages	May 2025 Mortgage Aug 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`222531475100011740`

Property Details

APN / Parcel Number

Primary APN	`222531475100011740`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,830 sqft Heated Area
Gross Area	2,396 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

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

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5813 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 174
Legal Lot Number	174
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1038
Census Tract	43700

Owner

Source: Osceola County records · APN 222531475100011740

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	5813 ARBORETUM ST, SAINT CLOUD, FL 34771-7659
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 14, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 22, 2023	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage DHI MORTGAGE COMPANY LTD
Jul 13, 2022	Special Warranty Deed, Construction Loan ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 22, 2023 · Amount on Record
Deed Sale	Aug 22, 2023 · Amount on Record
Prior Sale	Jul 13, 2022 · Amount on Record
Deed Document Number	2023110360
Deed Book / Page	6461 / 2367
Record Updated	Jun 08, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5813 ARBORETUM ST, SAINT CLOUD, FL 34771-7659
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5813 ARBORETUM ST, SAINT CLOUD, FL 34771-7659

Mortgage

Document Number	0067872650
Date	May 14, 2025
Book Page	6787/2650
Instrument	2025061193

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	340 Months
Due	Sep 01, 2053

August 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 22, 2023
Property Address	5813 ARBORETUM ST, SAINT CLOUD, FL 34771-7659
Document Number	0064612367
Book / Page	6461 / 2367
Map Reference	MB 31 PG 166-172
Instrument Date	Aug 18, 2023
Instrument	2023110360
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,045.00
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
Address	5813 ARBORETUM ST, SAINT CLOUD, FL 34771-7659

Mortgage

Document Number	0064612370
Date	Aug 22, 2023
Instrument	6461/2370

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2053

July 2022: Special Warranty Deed, Construction Loan

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 13, 2022
Property Address	5813 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

Transaction

Amount	Amount Recorded
Tax	$66,920.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8529 SOUTHPARK CIR STE 130, 130, ORLANDO, FL 32819-9016

Transferred To (Grantee/Buyer)

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

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 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	$5,109.00 (+387.97%) Homeowner's exemption	$358,200 (+377.6%) Land $75,000 Building $283,200	$358,200 (+377.6%) Land $75,000 Building $283,200
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

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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
Nearby Flood Claims	18 (2004–2022)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 2022, tidal / storm surge, Hurricane Ian
Claims By Storm	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 claims

Wildfire

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 49 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Boston Omaha	Fiber	1,000 / 1,000
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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