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5406 Ardmore Loop, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5406 Ardmore Loop, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms5 Beds
Bathrooms3 Baths
Year BuiltBuilt 2018
Square Footage4,768 sqft Heated Area
Lot Size13,504 sqft (0.31 acres)
OccupancyOwner Occupied
Last Sale$433,353 (2018)
Tax Bill$6,133.00 (2025)

Property Details

APN / Parcel Number

Primary APN162531338100010540

Interior

Bedrooms5 Beds
Full Baths3 Baths
Building Area4,768 sqft Heated Area
Gross Area5,825 sqft Gross Area
1st Floor2,183 sqft 1st Floor
Upper Floors2,585 sqft Upper Floors
Stories2 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2018
Exterior MaterialStucco Exterior
Construction TypeFrame Construction
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area13,504 sqft (0.31 acres)
Parking Spaces3 Parking Spaces
Garage TypeFinished Garage
Garage Area720 sqft Garage

Exterior Amenities

FenceFence
Patio Area551 sqft Patio
PorchOpen Porch
Porch Area337 sqft Porch

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address5406 ARDMORE LOOP
CitySAINT CLOUD
StateFL
Zip34771-8018
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionHANOVER RESERVE REPLAT PB 24 PGS 133-135 LOT 54
Legal Range31E
Legal Township25S
Legal Section16
Legal SubdivisionHANOVER RESERVE
Legal Tract3381
Legal Lot Number54
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1035
Census Tract43700

Owner

Source: Osceola County records · APN 162531338100010540

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Co-ownerVerified Secondary Owner
Mailing Address5406 ARDMORE LOOP, SAINT CLOUD, FL 34771-8018
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Mar 30, 2020Deed of Trust, Mortgage · Conventional Mortgage
PARKSIDE LNDG
Jun 28, 2019Loan Modification, Mortgage · Line of Credit
AMERICAN MOMENTUM BK
Apr 26, 2019Grant Deed, Transfer
TRINITY TITLE COMPANY/CTRL FL LLC, TRINITY TITLE CO/CTRL FL LLC
Sep 20, 2018Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 20, 2018 · Amount on Record
Deed SaleSep 20, 2018 · Amount on Record
Deed Doc Number2018141324
Deed Book / Page5403 / 2041
Record RefreshedJun 08, 2026

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5406 ARDMORE LOOP, SAINT CLOUD, FL 34771-8018
Document Number0057031653
Instrument DateMar 30, 2020
Transaction TypeMortgage
Record UpdatedJun 08, 2020
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address5406 ARDMORE LOOP ST CLOUD FL 347718018, ST CLOUD, FL 34771-8018

Mortgage

Document Number0057031653
DateApr 03, 2020
Book Page005703/001653
Instrument46746
Lender
NamePARKSIDE LNDG
AddressSAN FRANCISCO, CA 94102
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueApr 02, 2035

June 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Recording DateJun 28, 2019
Property Address5406 ARDMORE LOOP, SAINT CLOUD, FL 34771-8018
Document Number0055490909
Book / Page005549 / 000909
Instrument DateJun 28, 2019
Instrument84135
Transaction TypeMortgage
Record UpdatedJul 15, 2019
Title CompanyTRINITY TITLE COMPANY/CTRL FL LLC, TRINITY TITLE CO/CTRL FL LLC

Transaction

Tax$0.00
Additional
  • Multiple parcels conveyed, unknown impact to APN

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address605 COMMONWEALTH AVE ORLANDO FL 328035223, ORLANDO, FL 32803-5223

Mortgage

Document Number55490909
DateJun 28, 2019
Book Page005549/000909
Instrument84135
Lender
NameAMERICAN MOMENTUM BK
TypeBank
Address500 S WASHINGTON BLVD # 3RD, SARASOTA, FL 34236-7139
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

April 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateApr 26, 2019
Property Address5406 ARDMORE LOOP, SAINT CLOUD, FL 34771-8018
Document Number0055132882
Book / Page005513 / 002882
Instrument DateApr 24, 2019
Instrument53364
Transaction TypeTransfer
Record UpdatedMay 14, 2019
Title CompanyTRINITY TITLE COMPANY/CTRL FL LLC, TRINITY TITLE CO/CTRL FL LLC

Transaction

AmountAmount Recorded
Tax$5,428.50
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address605 COMMONWEALTH AVE ORLANDO FL 328035223, ORLANDO, FL 32803-5223
InvestorPossibly a Property Investor

September 2018: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 20, 2018
Property Address5406 ARDMORE LOOP, SAINT CLOUD, FL 34771-8018
Document Number0054032041
Book / Page5403 / 2041
Map ReferenceMB24 PG133-135
Instrument DateSep 11, 2018
Instrument2018141324
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 08, 2022
Title CompanyFIDELITY NATIONAL TITLE OF F

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,033.80
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address5406 ARDMORE LOOP, SAINT CLOUD, FL 34771-8018

Mortgage

Document Number0054032043
DateSep 20, 2018
Book Page5403/2043
Instrument2018141325
Lender
NameCROSSCOUNTRY MORTGAGE INC
TypeMortgage Company
AddressBRECKSVILLE, OH 44141
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2048

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$6,133.00 (+6.57%) Homeowner's exemption$432,155 (+5.99%)$610,700 (-0.68%) Land $75,000 Building $535,700
2023$5,755.00 (+3.73%) Homeowner's exemption$407,744 (+3%)$614,900 (+14.93%) Land $75,000 Building $539,900
2022$5,548.00 Homeowner's exemption$395,868$535,000 Land $55,000 Building $480,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskHigh
above 82% of the US · above 73% of Florida
Wildfire LikelihoodAbout 1 in 151 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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