5980 Ed Harris Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5980 Ed Harris Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,070 sqft · built 1993
Lot Size	0.569 acres (24,785 sqft)
Owner	Individual Name on Record
Last Sale	$418,000 (May 2026)
Tax Bill	$3,454 (2025)
Deeds & Mortgages	Feb 2021 Mortgage May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-26-31-4756-0001-0140`

Property Details

APN / Parcel Number

Primary APN	`03-26-31-4756-0001-0140`
Alternative APNs	`263103475600010140` `95668`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,070 sqft Living Area
Gross Area	2,560 sqft
1st Floor Area	2,070 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2003
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	24,785 sqft (0.569 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	50 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5980 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 14
Legal Range	31E
Legal Township	26S
Legal Section	03
Legal Subdivision	PINE GROVE ESTATES UNIT 1
Legal Tract	4756
Legal Block	140
Legal Lot Number	14
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 May 27, 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	5980 ED HARRIS CT, SAINT CLOUD, FL 34771-8691
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT MORTGAGE CORP
May 14, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2026 · Amount on Record
Deed Sale	May 14, 2026 · Amount on Record
Prior Sale	Jun 2, 2016 · Amount on Record
Deed Document Number	202664369
Deed Book / Page	6972 / 607
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5980 ED HARRIS CT, SAINT CLOUD, FL 34771-8691
Transaction Type	Mortgage
Record Updated	May 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5980 ED HARRIS CT, SAINT CLOUD, FL 34771-8691

Mortgage

Document Number	0058991553
Date	Feb 26, 2021
Book Page	5899/1553
Instrument	2021028323

Lender

Name	SUMMIT MORTGAGE CORP
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55441

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 14, 2026
Property Address	5980 ED HARRIS CT, SAINT CLOUD, FL 34771-8691
Document Number	0069720607
Book / Page	6972 / 607
Instrument Date	May 14, 2026
Instrument	2026.64369
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	GENERATION TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$295,526.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5980 ED HARRIS CT, SAINT CLOUD, FL 34771-8691
Investor	Possibly a Property Investor

Mortgage

Document Number	0000064370,
Date	May 14, 2026
Book Page	6972/609
Instrument	2026.64370

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

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	$3,454.00 (+6.67%) Homeowner's exemption Widower's exemption	$216,969 (+5.99%)	$302,800 (+1.58%) Land $55,000 Building $247,800
2024	$3,238.00 (+0.87%)
2023	$3,210.00 (+1.71%) Homeowner's exemption Widower's exemption	$204,714 (+3%)	$298,100 (+14.04%) Land $55,000 Building $243,100
2022	$3,156.00 Homeowner's exemption Widower's exemption	$198,752	$261,400 Land $55,000 Building $206,400

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 80% of the US · above 70% of Florida
Wildfire Likelihood	0.5% 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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