2405 Bar Lou Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2405 Bar Lou Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,933 sqft · built 2013
Lot Size	0.552 acres (24,045 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Dec 2018)
Tax Bill	$3,650 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`13-26-31-4773-0001-0070`

Property Details

APN / Parcel Number

Primary APN	`13-26-31-4773-0001-0070`
Alternative APNs	`263113477300010070` `97562`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,933 sqft Living Area
Gross Area	2,655 sqft
1st Floor Area	1,933 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2017
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	24,045 sqft (0.552 acres)
Lot Dimensions	161 ft deep x 134 ft wide
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	262 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2405 BAR LOU CT
City	SAINT CLOUD
State	FL
Zip	34771-9567
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS1
Legal Description	PLATTERS ADD PB 2 PG 276 LOT 7
Legal Range	31E
Legal Township	26S
Legal Section	13
Legal Subdivision	PLATTERS ADD
Legal Tract	4773
Legal Block	70
Legal Lot Number	7
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1034
Census Tract	43801

Owner

Source: Osceola County records, as of November 26, 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
Mailing Address	2405 BAR LOU CT, SAINT CLOUD, FL 34771-9567
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2021	Deed of Trust, Mortgage · FHA Mortgage HOME POINT FINANCIAL CORPORATION
Dec 4, 2018	Warranty Deed, Transfer · FHA Mortgage PLATINUM MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 4, 2018 · Amount on Record
Deed Sale	Dec 4, 2018 · Amount on Record
Prior Sale	May 26, 2015 · Amount on Record
Deed Document Number	2018177505
Deed Book / Page	5443 / 135
Prior Transfer Date	Sep 17, 2013
Prior Transfer Doc	0045031032
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2405 BAR LOU CT, SAINT CLOUD, FL 34771-9567
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2405 BAR LOU CT, SAINT CLOUD, FL 34771-9567

Mortgage

Document Number	0059732448
Date	Jun 4, 2021
Book Page	5973/2448
Instrument	2021087216

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 4, 2018
Property Address	2405 BAR LOU CT, SAINT CLOUD, FL 34771-9567
Document Number	0054430135
Book / Page	5443 / 0135
Map Reference	MB2 PG276
Instrument Date	Nov 26, 2018
Instrument	2018177505
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	OLIVER TITLE LAW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2991 ELBIB DR, 2991, SAINT CLOUD, FL 34772-8527

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2405 BAR LOU CT, SAINT CLOUD, FL 34771-9567

Mortgage

Document Number	2018177506
Date	Dec 4, 2018
Instrument	2018177506

Lender

Name	PLATINUM MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Oct 1, 2048

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	$3,650.00 (+5.31%) Homeowner's exemption	$252,886 (+5.99%)	$321,700 (+3.37%) Land $65,000 Building $256,700
2024	$3,466.00 (+2.15%)
2023	$3,393.00 (+4.34%) Homeowner's exemption	$238,601 (+3%)	$311,200 (+14.24%) Land $55,000 Building $256,200
2022	$3,252.00 Homeowner's exemption	$231,652	$272,400 Land $55,000 Building $217,400

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	66.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 192 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	192 in force
Nearby Flood Claims	6 (2002–2023)
Most Recent Claim	Nov 2023 · rainfall accumulation

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	0.6% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 EASTERN private · serves 110,102 people · EPA ID FL3490751
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
CenturyLink DSL	140 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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