Osceola County property record for 5406 Manchester Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,932 sqft · built 2021 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $354,200 (Jul 2021) |
| Tax Bill | $6,682 (2025) |
| Deeds & Mortgages | Mar 2023 Line of Credit Jul 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-26-31-0173-0001-1970 |
| Primary APN | 04-26-31-0173-0001-1970 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,932 sqft Living Area |
| Gross Area | 3,755 sqft |
| 1st Floor Area | 2,932 sqft |
| Flooring | Carpet |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,276 sqft (0.19 acres) |
| Garage Type | Attached |
| Garage Area | 488 sqft |
| Porch | Florida Room |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 5406 MANCHESTER DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7680 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LANCASTER PARK EAST PH 2 PB 27 PGS 87-92 LOT 197 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | LANCASTER PARK EAST PH 2 |
| Legal Phase | 2 |
| Legal Lot Number | 197 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 43700 |
5406 Manchester Dr is owned and occupied by two individuals who bought it in July 2021.
Source: Osceola County records, as of November 26, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5406 MANCHESTER DR, SAINT CLOUD, FL 34771-7680 |
| 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.
| Date | Document |
|---|---|
| Mar 13, 2023 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jul 20, 2021 | Special Warranty Deed, Transfer · Conventional Mortgage LENNAR MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 20, 2021 · Amount on File |
| Deed Sale | Jul 20, 2021 · Amount on File |
| Deed Document Number | 2021112091 |
| Deed Book / Page | 6005 / 1894 |
| Prior Transfer Date | Apr 21, 1992 |
| Prior Transfer Doc | 0000028622 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5406 MANCHESTER DR, SAINT CLOUD, FL 34771-7680 |
| Transaction Type | Mortgage |
| Record Updated | Mar 28, 2023 |
| Name | Verified Name |
|---|---|
| Address | 5406 MANCHESTER DR, SAINT CLOUD, FL 34771-7680 |
| Document Number | 0063700014 |
|---|---|
| Date | Mar 13, 2023 |
| Book Page | 6370/14 |
| Instrument | 2023028622 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Feb 28, 2063 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 20, 2021 |
| Property Address | 5406 MANCHESTER DR, SAINT CLOUD, FL 34771-7680 |
| Document Number | 0060051894 |
| Book / Page | 6005 / 1894 |
| Map Reference | MB 27 PG 87 |
| Instrument Date | Jul 16, 2021 |
| Instrument | 2021112091 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2023 |
| Title Company | LENNAR TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,479.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8750 FORUM DRIVE #310310, 310310, ORLANDO, FL 32821 |
| Name | Verified Name |
|---|---|
| Address | 5406 MANCHESTER DR, SAINT CLOUD, FL 34771-7680 |
| Document Number | 0060051898 |
|---|---|
| Date | Jul 20, 2021 |
| Instrument | 6005/1898 |
| Name | LENNAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
The 2025 property tax bill for 5406 Manchester Dr was $6,682 with a homeowner's exemption, up 3.4% from the year before.
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,682.00 (+3.37%) Homeowner's exemption | $416,197 | $427,400 Land $75,000 Building $352,400 |
| 2024 | $6,464.00 (+2.39%) | ||
| 2023 | $6,313.00 (+3.82%) Homeowner's exemption | $392,688 (+3.45%) | $436,500 (+14.99%) Land $65,000 Building $371,500 |
| 2022 | $6,081.00 Homeowner's exemption | $379,600 Land $65,000 Building $314,600 | $379,600 Land $65,000 Building $314,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5406 Manchester Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 70 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 70 in force |
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 risk around 5406 Manchester Dr is moderate, ranking above 69% 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 | Moderate above 69% of the US · above 50% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 162 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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