5860 Bar Ranch Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5860 Bar Ranch Rd, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,244 sqft · built 2021
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$353,963 (Jan 2022)
Tax Bill	$5,966 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-25-31-4988-0001-1660`

Property Details

APN / Parcel Number

Primary APN	`27-25-31-4988-0001-1660`
Alternative APN	`253127498800011660`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,244 sqft Living Area
Gross Area	2,940 sqft
1st Floor Area	2,244 sqft
Flooring	Carpet

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
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	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5860 BAR RANCH RD
City	SAINT CLOUD
State	FL
Zip	34771-9150
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNBROOKE PH 1 PB 28 PGS 86-91 LOT 166
Legal Range	31E
Legal Township	25S
Legal Section	27
Legal Subdivision	SUNBROOKE
Legal Phase	1
Legal Lot Number	166
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3002
Census Tract	43700

Owner

5860 Bar Ranch Rd is owned by an individual who bought it in January 2022.

Source: Osceola County records, as of November 26, 2025

Owner of Record	Individual Name on File
Mailing Address	18261 OLIVER TWIST WAY, WINTER GARDEN, FL 34787-1815
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 13, 2022 · Amount on File
Deed Sale	Jan 13, 2022 · Amount on File
Deed Document Number	20227493
Deed Book / Page	6129 / 315
Record Updated	Sep 20, 2026

January 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 13, 2022
Property Address	5860 BAR RANCH RD, SAINT CLOUD, FL 34771-9150
Document Number	0061290315
Book / Page	6129 / 315
Map Reference	MB 28 PG 86-91
Instrument Date	Dec 29, 2021
Instrument	2022007493
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,478.00
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	18261 OLIVER TWIST WAY, WINTER GARDEN, FL 34787-1815

Mortgage

Document Number	0006129317
Date	Jan 13, 2022
Instrument	6129/317

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Jan 1, 2029
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	5.87%
Index	1-Year LIBOR
Max Rate	9.87%

Tax Assessment & Valuation

The 2025 property tax bill for 5860 Bar Ranch Rd was $5,966, up 2.3% from the year before.

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	$5,966.00 (+2.32%)	$379,200 Land $80,000 Building $299,200	$379,200 Land $80,000 Building $299,200
2024	$5,831.00 (-1.44%)
2023	$5,916.00 (+11.75%)	$391,100 (+15.85%) Land $70,000 Building $321,100	$391,100 (+15.85%) Land $70,000 Building $321,100
2022	$5,294.00	$337,600 Land $60,000 Building $277,600	$337,600 Land $60,000 Building $277,600

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

Flood

FEMA maps place 5860 Bar Ranch Rd in Zone X, an area of minimal flood risk.

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 File 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

Wildfire risk around 5860 Bar Ranch Rd is high, ranking above 89% of the US, with a 0.9% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 89% of the US · above 82% 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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