2450 Bar Lou Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2450 Bar Lou Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,896 sqft · built 1985
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Tax Bill	$2,223 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-26-31-4773-0001-0130`

Property Details

APN / Parcel Number

Primary APN	`13-26-31-4773-0001-0130`
Alternative APNs	`263113477300010130` `97568`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,896 sqft Living Area
Gross Area	2,620 sqft
1st Floor Area	572 sqft
Upper Floors Area	1,324 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Custom Design
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	170 ft deep x 128 ft wide
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	152 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2450 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 13
Legal Range	31E
Legal Township	26S
Legal Section	13
Legal Subdivision	PLATTERS ADD
Legal Tract	4773
Legal Block	130
Legal Lot Number	13
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1034
Census Tract	43801

Owner

2450 Bar Lou Ct is owned and occupied by an individual who acquired it in June 2021.

Source: Osceola County records, as of November 26, 2025

Owner of Record	Individual Name on File
Mailing Address	2450 BAR LOU CT, SAINT CLOUD, FL 34771-9567
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Feb 15, 2024	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jun 29, 2021	Intrafamily Transfer, Transfer · FHA Mortgage GLOBAL EQUITY FINANCE INC
Dec 28, 2016	Deed of Trust, Mortgage · FHA Mortgage GLOBAL EQUITY FIN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2021
Deed Sale	Jun 29, 2021
Prior Sale	Aug 28, 2009 · Amount on File
Deed Document Number	2021101087
Deed Book / Page	5991 / 713
Prior Transfer Date	Apr 26, 2021
Prior Transfer Doc	0059910713
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2450 BAR LOU CT, SAINT CLOUD, FL 34771-9567
Transaction Type	Mortgage
Record Updated	Feb 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2450 BAR LOU CT, SAINT CLOUD, FL 34771-9567

Mortgage

Document Number	0065501047
Date	Feb 15, 2024
Book Page	6550/1047
Instrument	2024020284

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Mar 8, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jun 29, 2021
Property Address	2450 BAR LOU CT, SAINT CLOUD, FL 34771-9567
Document Number	0059910713
Book / Page	5991 / 713
Map Reference	MB 2 PG 276
Instrument Date	Apr 26, 2021
Instrument	2021101087
Transaction Type	Transfer
Record Updated	Jul 19, 2021
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2450 BAR LOU CT, SAINT CLOUD, FL 34771-9567

Mortgage

Document Number	5991715
Date	Jun 29, 2021
Instrument	5991/715

Lender

Name	GLOBAL EQUITY FINANCE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	May 1, 2051

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2450 BAR LOU CT, SAINT CLOUD, FL 34771-9567
Document Number	0050800031
Book / Page	005080 / 000031
Instrument Date	Dec 28, 2016
Transaction Type	Mortgage
Record Updated	Jan 19, 2017
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2450 BAR LOU CT ST CLOUD FL 347719567, ST CLOUD, FL 34771-9567

Mortgage

Document Number	0050800031
Date	Jan 4, 2017
Book Page	005080/000031
Instrument	1237

Lender

Name	GLOBAL EQUITY FIN
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92117

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 3, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2450 Bar Lou Ct was $2,223 with a homeowner's exemption, up 6.6% from the year before.

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	$2,223.00 (+6.62%) Homeowner's exemption	$149,913	$248,600 Land $65,000 Building $183,600
2024	$2,085.00 (+2.41%)
2023	$2,036.00 (+5.27%) Homeowner's exemption	$141,446 (+3%)	$237,700 (+12.65%) Land $55,000 Building $182,700
2022	$1,934.00 Homeowner's exemption	$137,327	$211,000 Land $55,000 Building $156,000

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

Flood

FEMA maps place 2450 Bar Lou Ct in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2002.

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 File 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

Wildfire risk around 2450 Bar Lou Ct is high, ranking above 74% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 74% of the US · above 59% of Florida
Wildfire Likelihood	0.5% 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 81 locations within half a mile, as of December 31, 2025

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

May also be available: Spectrum.

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