2465 Bar Lou Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2465 Bar Lou Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,673 sqft · built 1984
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Aug 2019)
Tax Bill	$1,907 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-26-31-4773-0001-0010`

Property Details

APN / Parcel Number

Primary APN	`13-26-31-4773-0001-0010`
Alternative APNs	`263113477300010010` `97556`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,673 sqft Living Area
Gross Area	2,192 sqft
1st Floor Area	1,673 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2010
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	170 ft deep x 132 ft wide
Garage Type	Attached
Garage Area	505 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	297 sqft
Porch	Finished/Open Porch
Porch Area	14 sqft
Deck Area	711 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2465 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 1
Legal Range	31E
Legal Township	26S
Legal Section	13
Legal Subdivision	PLATTERS ADD
Legal Tract	4773
Legal Block	10
Legal Lot Number	1
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1034
Census Tract	43801

Owner

2465 Bar Lou Ct is owned and occupied by an individual who acquired it in May 2025.

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

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

Owner of Record	Individual Name on File
Mailing Address	2465 BAR LOU CT, SAINT CLOUD, FL 34771-9567
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2020	Deed of Trust, Mortgage · VA Mortgage ALKAN MORTGAGE CORP
Aug 9, 2019	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2019 · Amount on File
Deed Sale	Aug 9, 2019 · Amount on File
Prior Sale	Jun 15, 2015 · Amount on File
Deed Document Number	2019103139
Deed Book / Page	5571 / 932
Last Transfer Date	May 22, 2025
Transfer Doc	0068000599
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2465 BAR LOU CT, SAINT CLOUD, FL 34771-9567
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058472711
Date	Dec 9, 2020
Book Page	5847/2711
Instrument	2020167031

Lender

Name	ALKAN MORTGAGE CORP
Type	Mortgage Company
Address	LAKE MARY, FL 32746

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 9, 2019
Property Address	2465 BAR LOU CT, SAINT CLOUD, FL 34771-9567
Document Number	0055710932
Book / Page	005571 / 000932
Instrument Date	Aug 8, 2019
Instrument	103139
Transaction Type	Transfer
Record Updated	Aug 21, 2019
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2465 BAR LOU CT ST CLOUD FL 347719567, ST CLOUD, FL 34771-9567

Mortgage

Document Number	55710934
Date	Aug 9, 2019
Book Page	005571/000934
Instrument	103140

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 8, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2465 Bar Lou Ct was $1,907, up 7.2% 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	$1,907.00 (+7.2%)	$127,082	$285,400 Land $65,000 Building $220,400
2024	$1,779.00 (+2.54%)
2023	$1,735.00 (+5.66%) Homeowner's exemption	$119,904 (+3%)	$272,400 (+11.78%) Land $55,000 Building $217,400
2022	$1,642.00 Homeowner's exemption	$116,412	$243,700 Land $55,000 Building $188,700

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 2465 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 2465 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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