5978 Ed Harris Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5978 Ed Harris Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,872 sqft · built 1996
Lot Size	0.567 acres (24,698 sqft)
Owner	Individual Name on Record
Last Sale	$480,000 (Jun 2026)
Tax Bill	$3,786 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Sep 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-26-31-4756-0001-0130`

Property Details

APN / Parcel Number

Primary APN	`03-26-31-4756-0001-0130`
Alternative APNs	`263103475600010130` `95667`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,872 sqft Living Area
Gross Area	3,352 sqft
1st Floor Area	1,872 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2001
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	24,698 sqft (0.567 acres)
Garage Type	Attached
Garage Area	546 sqft
Parking Spaces	4 Parking Spaces
Porch	Florida Room
Porch Area	406 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5978 ED HARRIS CT
City	SAINT CLOUD
State	FL
Zip	34771-8691
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR1C
Legal Description	PINE GROVE EST UNIT 1 PB 7 PG 91 LOT 13
Legal Range	31E
Legal Township	26S
Legal Section	03
Legal Subdivision	PINE GROVE ESTATES UNIT 1
Legal Tract	4756
Legal Block	130
Legal Lot Number	13
Legal Unit	1P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	43700

Owner

Source: Osceola County records, as of July 2, 2026

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
Mailing Address	5978 ED HARRIS CT, SAINT CLOUD, FL 34771-8691
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Warranty Deed, Transfer · FHA Mortgage CMG MORTGAGE INC
Sep 30, 2025	Deed of Trust, Mortgage · Line of Credit ADDITION FINANCIAL CU
Sep 28, 2017	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2026 · Amount on Record
Deed Sale	Jun 22, 2026 · Amount on Record
Prior Sale	Sep 28, 2017 · Amount on Record
Deed Document Number	202681682
Deed Book / Page	6991 / 2079
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 22, 2026
Property Address	5978 ED HARRIS CT, SAINT CLOUD, FL 34771-8691
Document Number	0000081682
Book / Page	6991 / 2079
Instrument Date	Jun 18, 2026
Instrument	202681682
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$339,360.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5978 ED HARRIS CT, SAINT CLOUD, FL 34771-8691

Mortgage

Document Number	0069912081,
Date	Jun 22, 2026
Book Page	6991/2081
Instrument	202681683

Lender

Name	CMG MORTGAGE INC

Agreement

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

Interest

Rate	6.37%
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5978 ED HARRIS CT, SAINT CLOUD, FL 34771-8691
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5978 ED HARRIS CT, SAINT CLOUD, FL 34771-8691

Mortgage

Document Number	0068560994
Date	Sep 30, 2025
Book Page	6856/994
Instrument	2025120569

Lender

Name	ADDITION FINANCIAL CU
Type	Credit Union
Address	LAKE MARY, FL 32746

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	420 Months
Due	Sep 29, 2060

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 28, 2017
Property Address	5978 ED HARRIS CT, SAINT CLOUD, FL 34771-8691
Document Number	0052150105
Book / Page	5215 / 0105
Map Reference	MB7 PG91
Instrument Date	Sep 21, 2017
Instrument	2017138178
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,715.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1935 E 10TH ST, 1935, SAINT CLOUD, FL 34771-4839

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5978 ED HARRIS CT, SAINT CLOUD, FL 34771-8691

Mortgage

Document Number	0052150106
Date	Sep 28, 2017
Instrument	5215/0106

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

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	$3,786.00 (+6.32%) Homeowner's exemption	$235,955 (+5.99%)	$317,100 (+1.63%) Land $55,000 Building $262,100
2024	$3,561.00 (+0.88%)
2023	$3,530.00 (+3.64%) Homeowner's exemption	$222,628 (+3%)	$312,000 (+13.99%) Land $55,000 Building $257,000
2022	$3,406.00 Homeowner's exemption	$216,144	$273,700 Land $55,000 Building $218,700

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 79 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	79 in force
Nearby Flood Claims	5 (1994–2017)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Sep 2017 · Hurricane Irma

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 79% of the US · above 69% of Florida
Wildfire Likelihood	0.4% 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Spectrum Fiber	1,000 / 1,000

May also be available: Verizon.

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