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2435 Bar Lou Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2435 Bar Lou Ct, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,588 sqft · built 1988
Lot Size0.5 acres (21,780 sqft)
OwnerIndividual Name on File
Last Sale$300,000 (Dec 2020)
Tax Bill$4,304 (2025)
Deeds & MortgagesDec 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN97559

Property Details

APN / Parcel Number

Primary APN97559
Alternative APN
  • 132631477300010040

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,588 sqft Heated Area
Gross Area3,492 sqft
1st Floor Area2,588 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 1998
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area21,780 sqft (0.5 acres)
Lot Dimensions170 ft deep x 128 ft wide
Garage TypeFinished
Garage Area528 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area376 sqft
Shed1 Shed
Shed Area80 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number97559
Street Address2435 BAR LOU CT
CitySAINT CLOUD
StateFL
Zip34771-9567
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeORS1
Legal DescriptionPLATTERS ADD PB 2 PG 276 LOT 4
Legal Range31E
Legal Township26S
Legal Section13
Legal SubdivisionPLATTERS ADDITION
Legal Tract4773
Legal Block1
Legal Lot Number4
JurisdictionOSCEOLA FL
Township / Civil DivisionSOUTH AND EAST OSCEOLA
Census Block Group1
Census Block1034
Census Tract43801

Owner

2435 Bar Lou Ct is owned and occupied by an individual who bought it in December 2020.

Source: Osceola County records, as of December 11, 2025

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address2435 BAR LOU CT, SAINT CLOUD, FL 34771-9567
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 31, 2020 · Amount on File
Deed SaleDec 31, 2020 · Amount on File
Deed Document Number2020178161
Deed Book / Page5863 / 92
Record UpdatedJun 8, 2026

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 31, 2020
Property Address2435 BAR LOU CT, SAINT CLOUD, FL 34771-9567
Document Number0058630092
Book / Page5863 / 92
Map ReferenceMB 2 PG 276
Instrument DateDec 30, 2020
Instrument2020178161
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyOLIVER TITLE LAW

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,100.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address613 FAIRWAY DR, 613, GILLETTE, WY 82718-7609

Transferred To (Grantee/Buyer)

NameVerified Name
Address2435 BAR LOU CT, SAINT CLOUD, FL 34771-9567

Mortgage

Document Number0000586394
DateDec 31, 2020
Instrument5863/94
Lender
NameCHURCHILL MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term181 Months
DueJan 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 2435 Bar Lou Ct was $4,304 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,304.00 Homeowner's exemption$300,098$324,500 Land $65,000 Building $259,500
2023$4,015.00 (+4.1%) Homeowner's exemption$283,147 (+3%)$313,200 (+13.93%) Land $55,000 Building $258,200
2022$3,857.00 Homeowner's exemption$274,900 Land $55,000 Building $219,900$274,900 Land $55,000 Building $219,900

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

Flood

FEMA maps place 2435 Bar Lou Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 192 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies192 in force
Nearby Flood Claims6 (2002–2023)
Most Recent ClaimNov 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

Wildfire risk around 2435 Bar Lou Ct is high, ranking above 79% of the US, with a 0.6% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskHigh
above 79% of the US · above 69% of Florida
Wildfire Likelihood0.6% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemTOHO WATER AUTHORITY EASTERN
private · serves 110,102 people · EPA ID FL3490751
Water SourceGroundwater
Last State InspectionJun 2025
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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