5859 Herder Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5859 Herder Rd, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,663 sqft · built 2022
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,000 (Aug 2026)
Tax Bill	$5,266 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jul 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-25-31-4989-0001-2420`

Property Details

APN / Parcel Number

Primary APN	`27-25-31-4989-0001-2420`
Alternative APN	`253127498900012420`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,663 sqft Living Area
Gross Area	2,235 sqft
1st Floor Area	1,663 sqft
Flooring	Tile

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	400 sqft
Porch	Slab
Porch Area	172 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5859 HERDER RD
City	SAINT CLOUD
State	FL
Zip	34771-9179
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNBROOKE PH 2 PB 29 PGS 182-186 LOT 242
Legal Range	31E
Legal Township	25S
Legal Section	27
Legal Subdivision	SUNBROOKE
Legal Phase	2
Legal Lot Number	242
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3002
Census Tract	43700

Owner

Source: Osceola County records, as of September 14, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	5859 HERDER RD, SAINT CLOUD, FL 34771-9179
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2026	Warranty Deed, Transfer · FHA Mortgage E HOME LOANS
Jul 27, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Mar 29, 2022	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage VELOCIO MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2026 · Amount on Record
Deed Sale	Aug 27, 2026 · Amount on Record
Prior Sale	Mar 29, 2022 · Amount on Record
Deed Document Number	2026111884
Deed Book / Page	7026 / 599
Prior Transfer Date	Jul 26, 2023
Prior Transfer Doc	0064462869
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 27, 2026
Property Address	5859 HERDER RD, SAINT CLOUD, FL 34771-9179
Document Number	0000111884
Book / Page	7026 / 599
Instrument Date	Aug 26, 2026
Instrument	2026111884
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	SUNBELT TITLE COMPANY, SUNBELT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250,985.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5859 HERDER RD, SAINT CLOUD, FL 34771-9179

Mortgage

Document Number	0000111885,
Date	Aug 27, 2026
Instrument	2026111885

Lender

Name	E HOME LOANS

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jul 27, 2023
Property Address	5859 HERDER RD, SAINT CLOUD, FL 34771-9179
Document Number	0064462869
Book / Page	6446 / 2869
Map Reference	MB 29 PG 182
Instrument Date	Jul 20, 2023
Instrument	2023096746
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5859 HERDER RD, SAINT CLOUD, FL 34771-9179

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	5859 HERDER RD, SAINT CLOUD, FL 34771-9179

March 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 29, 2022
Property Address	5859 HERDER RD, SAINT CLOUD, FL 34771-9179
Document Number	0061812056
Book / Page	6181 / 2056
Map Reference	MB 29 PG 182-186
Instrument Date	Mar 24, 2022
Instrument	2022049441
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 22, 2024
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,660.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1064 GREENWOOD BLVD STE 124, 124, LAKE MARY, FL 32746-5419

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5859 HERDER RD, SAINT CLOUD, FL 34771-9179

Mortgage

Document Number	0061812058
Date	Mar 29, 2022
Instrument	6181/2058

Lender

Name	VELOCIO MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$5,266.00 (+15.31%)	$328,700 (-1.91%) Land $80,000 Building $248,700	$328,700 (-1.91%) Land $80,000 Building $248,700
2024	$4,567.00 (-3.65%)
2023	$4,740.00 (+235.22%) Homeowner's exemption	$335,100 (+458.5%) Land $70,000 Building $265,100	$335,100 (+458.5%) Land $70,000 Building $265,100
2022	$1,414.00	$60,000 Land $60,000	$60,000 Land $60,000

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 70 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	70 in force

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 83% of the US · above 74% of Florida
Wildfire Likelihood	0.9% 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 304 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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