5981 Ed Harris Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5981 Ed Harris Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,634 sqft · built 1994
Lot Size	0.56 acres (24,394 sqft)
Owner	Individual Name on File
Last Sale	$279,900 (Aug 2020)
Tax Bill	$4,150 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`95658`

Property Details

APN / Parcel Number

Primary APN	`95658`
Alternative APN	`032631475600010050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,634 sqft Heated Area
Gross Area	2,352 sqft
1st Floor Area	1,634 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	24,394 sqft (0.56 acres)
Garage Type	Finished
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	338 sqft
Porch	Open Porch
Porch Area	235 sqft
Deck Area	355 sqft
Fence	Fence
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	95658
Street Address	5981 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 5
Legal Range	31E
Legal Township	26S
Legal Section	03
Legal Subdivision	PINE GROVE EST
Legal Tract	4756
Legal Block	1
Legal Lot Number	5
Legal Unit	1P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2006
Census Tract	43700

Owner

Source: Osceola County assessment roll, as of July 1, 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 File
Co-owner	Verified Secondary Owner
Mailing Address	5981 ED HARRIS CT, SAINT CLOUD, FL 34771-8691
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2023	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Aug 31, 2020	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 31, 2020 · Amount on Record
Deed Sale	Aug 31, 2020 · Amount on Record
Prior Sale	Mar 3, 2003 · Amount on Record
Deed Document Number	2020115034
Deed Book / Page	5784 / 875
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5981 ED HARRIS CT, SAINT CLOUD, FL 34771-8691
Transaction Type	Mortgage
Record Updated	Apr 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5981 ED HARRIS CT, SAINT CLOUD, FL 34771-8691

Mortgage

Document Number	0063750979
Date	Mar 23, 2023
Book Page	6375/979
Instrument	2023033270

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 31, 2020
Property Address	5981 ED HARRIS CT, SAINT CLOUD, FL 34771-8691
Document Number	0057840875
Book / Page	5784 / 875
Map Reference	MB 7 PG 91
Instrument Date	Aug 28, 2020
Instrument	2020115034
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	AMERICAS TITLE CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,959.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13207 W 9TH PL, 13207, GOLDEN, CO 80401-4297

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5981 ED HARRIS CT, SAINT CLOUD, FL 34771-8691

Mortgage

Document Number	0005784877
Date	Aug 31, 2020
Instrument	5784/877

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

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	$4,150.00 (+3.36%) Homeowner's exemption	$262,200 (+1.86%) Land $55,000 Building $207,200	$262,200 (+1.86%) Land $55,000 Building $207,200
2023	$4,015.00 (-3.99%) Homeowner's exemption	$257,400 (+11.14%) Land $55,000 Building $202,400	$257,400 (+11.14%) Land $55,000 Building $202,400
2022	$4,182.00	$231,600 Land $55,000 Building $176,600	$231,600 Land $55,000 Building $176,600

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

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 at the parcel

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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