2455 Bar Lou Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2455 Bar Lou Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,420 sqft · built 2000
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$429,900 (May 2026)
Tax Bill	$2,201 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-26-31-4773-0001-0020`

Property Details

APN / Parcel Number

Primary APN	`13-26-31-4773-0001-0020`
Alternative APNs	`263113477300010020` `97557`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,420 sqft Living Area
Gross Area	2,120 sqft
1st Floor Area	1,420 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	170 ft deep x 128 ft wide
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	392 sqft
Porch	Metal Porch
Porch Area	278 sqft
Deck Area	592 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2455 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 2
Legal Range	31E
Legal Township	26S
Legal Section	13
Legal Subdivision	PLATTERS ADD
Legal Tract	4773
Legal Block	20
Legal Lot Number	2
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1034
Census Tract	43801

Owner

2455 Bar Lou Ct is owned and occupied by an individual who bought it in May 2026.

Source: Osceola County records, as of June 2, 2026

Owner of Record	Individual Name on File
Mailing Address	2455 BAR LOU CT, SAINT CLOUD, FL 34771-9567
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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
May 12, 2026	Warranty Deed, Transfer · FHA Mortgage AMERICAN HOME MORTGAGE ACCEPT
May 12, 2026	Warranty Deed, Transfer · FHA Mortgage A CLEAR CHOICE TITLE & ESCROW
Dec 18, 2017	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 12, 2026 · Amount on File
Deed Sale	May 12, 2026 · Amount on File
Prior Sale	Dec 18, 2017 · Amount on File
Deed Document Number	202662842
Deed Book / Page	6970 / 1659
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 12, 2026
Property Address	2455 BAR LOU CT, SAINT CLOUD, FL 34771-9567
Document Number	0069701659
Book / Page	6970 / 1659
Instrument Date	May 4, 2026
Instrument	202662842
Transaction Type	Transfer
Record Updated	Jun 2, 2026
Title Company	A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$303,939.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2455 BAR LOU CT, SAINT CLOUD, FL 34771-9567

Mortgage

Document Number	0000062843,
Date	May 12, 2026
Book Page	6970/1661
Instrument	202662843

Lender

Name	AMERICAN HOME MORTGAGE ACCEPT

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.38%
Max Rate	-1%

Mortgage

Document Number	0000062844,
Date	May 12, 2026
Book Page	6970/1676
Instrument	202662844

Lender

Name	FLORIDA HOUSING FINANCE CORP

Agreement

Amount	Amount on Record

Interest

Rate	6.38%
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 12, 2026
Property Address	2455 BAR LOU CT, SAINT CLOUD, FL 34771-9567
Document Number	0000062842
Book / Page	6970 / 1659
Instrument Date	May 4, 2026
Instrument	2026.62842
Transaction Type	Transfer
Record Updated	May 20, 2026
Title Company	A CLEAR CHOICE TITLE & ESCROW

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$303,939.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2455 BAR LOU CT, SAINT CLOUD, FL 34771-9567

Mortgage

Document Number	0000062843,
Date	May 12, 2026
Instrument	2026..62843

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.38%
Max Rate	-1%

Mortgage

Document Number	0000062844,
Date	May 12, 2026
Book Page	6970/1676
Instrument	2026.62844

Lender

Agreement

Amount	Amount on Record

Interest

Rate	6.38%
Max Rate	-1%

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 18, 2017
Property Address	2455 BAR LOU CT, SAINT CLOUD, FL 34771-9567
Document Number	0052560136
Book / Page	5256 / 0136
Map Reference	MB2 PG276
Instrument Date	Dec 15, 2017
Instrument	2017179920
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7022 BEARGRASS RD, 7022, HARMONY, FL 34773-9179

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	2455 BAR LOU CT, SAINT CLOUD, FL 34771-9567

Mortgage

Document Number	2017179921
Date	Dec 18, 2017
Instrument	2017179921

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2455 Bar Lou Ct was $2,201 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	$2,201.00 (+6.64%) Homeowner's exemption	$148,327	$285,400 Land $65,000 Building $220,400
2024	$2,064.00 (+2.43%)
2023	$2,015.00 (+5.28%) Homeowner's exemption	$139,949 (+3%)	$276,200 (+11.82%) Land $55,000 Building $221,200
2022	$1,914.00 Homeowner's exemption	$135,873	$247,000 Land $55,000 Building $192,000

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

FEMA maps place 2455 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 2455 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 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

Nearby Properties on Bar Lou Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures