5861 Bovine Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5861 Bovine Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,773 sqft · built 2022
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$451,000 (Sep 2022)
Tax Bill	$5,384 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`272531498900011970`

Property Details

APN / Parcel Number

Primary APN	`272531498900011970`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,773 sqft Heated Area
Gross Area	2,392 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
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	219 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5861 BOVINE DR
City	SAINT CLOUD
State	FL
Zip	34771-9175
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNBROOKE PH 2 PB 29 PGS 182-186 LOT 197
Legal Subdivision	SUNBROOKE
Legal Phase	2
Legal Lot Number	197
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 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	5861 BOVINE DR, SAINT CLOUD, FL 34771-9175
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2022 · Amount on Record
Deed Sale	Sep 7, 2022 · Amount on Record
Deed Document Number	2022135998
Deed Book / Page	6281 / 2332
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 7, 2022
Property Address	5861 BOVINE DR, SAINT CLOUD, FL 34771-9175
Document Number	0062812332
Book / Page	6281 / 2332
Map Reference	MB 29 PG 182-186
Instrument Date	Aug 31, 2022
Instrument	2022135998
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	$3,157.00
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	5861 BOVINE DR, SAINT CLOUD, FL 34771-9175

Mortgage

Document Number	0062812334
Date	Sep 7, 2022
Instrument	6281/2334

Lender

Name	VELOCIO MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

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	$5,384.00 (-1.34%)	$337,200 (-2.63%) Land $80,000 Building $257,200	$337,200 (-2.63%) Land $80,000 Building $257,200
2023	$5,457.00 (+551.19%)	$346,300 (+477.17%) Land $70,000 Building $276,300	$346,300 (+477.17%) Land $70,000 Building $276,300
2022	$838.00	$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 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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