Osceola County property record for 5405 Hanover Square Dr, Saint Cloud, FL 34771 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,408 sqft · built 2018 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $308,888 (Oct 2019) |
| Tax Bill | $712 (2025) |
| Deeds & Mortgages | Oct 2023 Transfer Aug 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-25-31-3442-0001-0220 |
| Primary APN | 16-25-31-3442-0001-0220 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,408 sqft Living Area |
| Gross Area | 2,581 sqft |
| 1st Floor Area | 1,967 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.14 acres) |
| Porch | Florida Room |
| Porch Area | 614 sqft |
| Patio Area | 420 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 5405 HANOVER SQUARE DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-3900 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HANOVER SQUARE PB 26 PGS 106-107 LOT 22 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 16 |
| Legal Subdivision | HANOVER SQUARE |
| Legal Lot Number | 22 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 43700 |
Source: Osceola County records · APN 16-25-31-3442-0001-0220
Assessment roll updated November 26, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 5405 HANOVER SQUARE DR, SAINT CLOUD, FL 34771-3900 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Oct 10, 2023 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Aug 16, 2023 | Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC |
| Dec 29, 2020 | Deed of Trust, Mortgage · VA Mortgage CAPITAL BANK NA |
| Oct 08, 2019 | Special Warranty Deed, Transfer · VA Mortgage CAPITAL BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 08, 2019 · Amount on Record |
| Deed Sale | Oct 08, 2019 · Amount on Record |
| Deed Document Number | 2019130048 |
| Deed Book / Page | 5602 / 1539 |
| Last Transfer Date | Oct 10, 2023 |
| Transfer Doc | 0064872218 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 10, 2023 |
| Property Address | 5405 HANOVER SQUARE DR, SAINT CLOUD, FL 34771-3900 |
| Document Number | 0064872218 |
| Book / Page | 6487 / 2218 |
| Map Reference | MB 26 PG 106&107 |
| Instrument Date | Oct 10, 2023 |
| Instrument | 2023133659 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5405 HANOVER SQUARE DR, SAINT CLOUD, FL 34771-3900 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 5405 HANOVER SQUARE DR, SAINT CLOUD, FL 34771-3900 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5405 HANOVER SQUARE DR, SAINT CLOUD, FL 34771-3900 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2023 |
| Name | Verified Name |
|---|---|
| Address | 5405 HANOVER SQUARE DR, SAINT CLOUD, FL 34771-3900 |
| Document Number | 0064582536 |
|---|---|
| Date | Aug 16, 2023 |
| Book Page | 6458/2536 |
| Instrument | 2023107647 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5405 HANOVER SQUARE DR, SAINT CLOUD, FL 34771-3900 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Name | Verified Name |
|---|---|
| Address | 5405 HANOVER SQUARE DR, SAINT CLOUD, FL 34771-3900 |
| Document Number | 0058592914 |
|---|---|
| Date | Dec 29, 2020 |
| Book Page | 5859/2914 |
| Instrument | 2020176162 |
| Name | CAPITAL BANK NA |
|---|---|
| Type | Bank |
| Address | ROCKVILLE, MD 20850 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Oct 01, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 08, 2019 |
| Property Address | 5405 HANOVER SQUARE DR, SAINT CLOUD, FL 34771-3900 |
| Document Number | 0056021539 |
| Book / Page | 5602 / 1539 |
| Map Reference | MB 26 PG 106&107 |
| Instrument Date | Oct 04, 2019 |
| Instrument | 2019130048 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,162.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9102 SOUTHPARK CENTER LOOP, 9102, ORLANDO, FL 32819-8625 |
| Name | Verified Name |
|---|---|
| Address | 5405 HANOVER SQUARE DR, SAINT CLOUD, FL 34771-3900 |
| Document Number | 0056021541 |
|---|---|
| Date | Oct 08, 2019 |
| Instrument | 5602/1541 |
| Name | CAPITAL BANK NA |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2049 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $712.00 (+12.84%) | $288,376 (+5.99%) | $365,000 (+1.61%) Land $75,000 Building $290,000 |
| 2024 | $631.00 (+1.61%) | ||
| 2023 | $621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $272,087 (+3%) | $359,200 (+28.79%) Land $75,000 Building $284,200 |
| 2022 | $576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $264,163 | $278,900 Land $55,000 Building $223,900 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970437001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 330 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 330 in force |
| Nearby Flood Claims | 18 (2004–2022) |
| Claims Outside the SFHA | 1 of 18 |
| Most Recent Claim | Oct 2022, tidal / storm surge, Hurricane Ian |
| Claims By Storm |
|
| Wildfire Risk | High above 78% of the US · above 65% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 172 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 444 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Lumen Technologies | Fiber | 2,000 / 1,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
May also be available at this address: Xfinity, AT&T, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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