5824 Arboretum St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5824 Arboretum St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,830 sqft · built 2023
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$445,990 (Nov 2023)
Tax Bill	$5,109 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Jul 2022 Sale
Flood Zone	Zone A (high risk)
APN	`222531475100011920`

Property Details

APN / Parcel Number

Primary APN	`222531475100011920`

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	6,970 sqft (0.16 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	5824 ARBORETUM ST
City	SAINT CLOUD
State	FL
Zip	34771-7658
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PRAIRIE OAKS PB 31 PGS 166-172 LOT 192
Legal Lot Number	192
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1038
Census Tract	43700

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 Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	5824 ARBORETUM ST, SAINT CLOUD, FL 34771-7658
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2023	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage DHI MORTGAGE COMPANY LTD
Jul 13, 2022	Special Warranty Deed, Construction Loan ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2023 · Amount on Record
Deed Sale	Nov 30, 2023 · Amount on Record
Prior Sale	Jul 13, 2022 · Amount on Record
Deed Document Number	2023156204
Deed Book / Page	6511 / 2080
Record Updated	Jun 8, 2026

November 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 30, 2023
Property Address	5824 ARBORETUM ST, SAINT CLOUD, FL 34771-7658
Document Number	0065112080
Book / Page	6511 / 2080
Map Reference	MB 31 PG 166-172
Instrument Date	Nov 28, 2023
Instrument	2023156204
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
Loan-to-Value (LTV)	LTV on Record
Tax	$3,122.00
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	5824 ARBORETUM ST, SAINT CLOUD, FL 34771-7658

Mortgage

Document Number	0065112083
Date	Nov 30, 2023
Instrument	6511/2083

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

July 2022: Special Warranty Deed, Construction Loan

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 13, 2022
Property Address	5824 ARBORETUM ST, SAINT CLOUD, FL 34771-7658
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 assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

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 Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 330 policies
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 · 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 Risk	High above 85% of the US · above 77% of Florida
Wildfire Likelihood	1% 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 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Utah Broadband Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Spectrum, Verizon.

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