Osceola County property record for 5409 Ardmore Loop, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 6 Beds |
| Bathrooms | 5 Baths |
| Year Built | Built 2018 |
| Square Footage | 4,768 sqft Heated Area |
| Lot Size | 10,019 sqft (0.23 acres) |
| Garage | Finished, 720 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $5,972.00 (2025) |
| Primary APN | 162531338100010350 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 4,768 sqft Heated Area |
| Gross Area | 5,698 sqft Gross Area |
| 1st Floor | 2,183 sqft 1st Floor |
| Upper Floors | 2,585 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 10,019 sqft (0.23 acres) |
| Parking Spaces | 3 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 720 sqft Garage |
| Porch | Open Porch |
| Porch Area | 210 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 5409 ARDMORE LOOP |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8019 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | HANOVER RESERVE REPLAT PB 24 PGS 133-135 LOT 35 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 16 |
| Legal Subdivision | HANOVER RESERVE |
| Legal Tract | 3381 |
| Legal Lot Number | 35 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1031 |
| Census Tract | 43700 |
Source: Osceola County records · APN 162531338100010350
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5409 ARDMORE LOOP, SAINT CLOUD, FL 34771-8019 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC |
| Dec 03, 2018 | Grant Deed, Subdivision Related Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) CALIBER HM LOANS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 05, 2021 |
| Deed Sale | Aug 05, 2021 |
| Deed Doc Number | 2018176389 |
| Deed Book / Page | 5441 / 1966 |
| Prior Transfer Date | Dec 03, 2018 |
| Prior Transfer Doc | 2018176389 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5409 ARDMORE LOOP, SAINT CLOUD, FL 34771-8019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 5409 AROMORE LOOP, SAINT CLOUD, FL 34771-8019 |
| Document Number | 0058750428 |
|---|---|
| Date | Jan 21, 2021 |
| Book Page | 5875/428 |
| Instrument | 2021009766 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 03, 2018 |
| Property Address | 5409 ARDMORE LOOP, SAINT CLOUD, FL 34771-8019 |
| Document Number | 0054411966 |
| Book / Page | 005441 / 001966 |
| Instrument Date | Nov 30, 2018 |
| Instrument | 176389 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 18, 2018 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,983.58 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 5409 ARDMORE LOOP ST CLOUD FL 347718019, ST CLOUD, FL 34771-8019 |
| Document Number | 54411968 |
|---|---|
| Date | Dec 03, 2018 |
| Book Page | 005441/001968 |
| Instrument | 176390 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 02, 2048 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $5,972.00 (+6.62%) Homeowner's exemption | $420,488 (+5.99%) | $600,300 (-0.53%) Land $75,000 Building $525,300 |
| 2023 | $5,601.00 (+3.76%) Homeowner's exemption | $396,736 (+3%) | $603,500 (+15.22%) Land $75,000 Building $528,500 |
| 2022 | $5,398.00 Homeowner's exemption | $385,181 | $523,800 Land $55,000 Building $468,800 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | High above 82% of the US · above 73% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 151 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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