5411 Manchester Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5411 Manchester Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,662 sqft · built 2019
Lot Size	0.189 acres (8,276 sqft)
Owner	Trust Name on File
Last Sale	$328,000 (Dec 2019)
Tax Bill	$4,634 (2025)
Deeds & Mortgages	Feb 2026 Transfer Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`042631017300011640`

Property Details

APN / Parcel Number

Primary APN	`042631017300011640`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,662 sqft Heated Area
Gross Area	3,311 sqft
1st Floor Area	2,662 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.189 acres)
Garage Type	Finished
Garage Area	447 sqft
Porch	Open Porch
Porch Area	202 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5411 MANCHESTER DR
City	SAINT CLOUD
State	FL
Zip	34771-7681
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LANCASTER PARK EAST PH 2 PB 27 PGS 87-92 LOT 164
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	LANCASTER PARK
Legal Phase	2
Legal Tract	173
Legal Lot Number	164
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3026
Census Tract	43700

Owner

5411 Manchester Dr is owner-occupied and held in a trust since February 2026.

Source: Osceola County records, as of March 2, 2026

Owner of Record	Trust Name on File
Co-owner	2 Co-owners on File
Mailing Address	5411 MANCHESTER DR, SAINT CLOUD, FL 34771-7681
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

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

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2026	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Dec 27, 2019	Special Warranty Deed, Transfer · VA Mortgage UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Dec 27, 2019 · Amount on File
Deed Sale	Dec 27, 2019 · Amount on File
Prior Sale	Dec 27, 2019 · Amount on File
Deed Document Number	0056481441
Deed Book / Page	5648 / 1441
Last Transfer Date	Feb 18, 2026
Transfer Doc	0069251040
Record Updated	Jun 8, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Feb 18, 2026
Property Address	5411 MANCHESTER DR, SAINT CLOUD, FL 34771-7681
Document Number	0069251040
Book / Page	6925 / 1040
Map Reference	MB 27 PG 87
Instrument Date	Feb 17, 2026
Instrument	2026023134
Transaction Type	Transfer
Record Updated	Mar 3, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5411 MANCHESTER DR, SAINT CLOUD, FL 34771-7681

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	5411 MANCHESTER DR, SAINT CLOUD, FL 34771-7681

December 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 27, 2019
Property Address	5411 MANCHESTER DR, SAINT CLOUD, FL 34771-7681
Document Number	0056481441
Book / Page	5648 / 1441
Map Reference	MB 27 PG 87
Instrument Date	Dec 20, 2019
Instrument	2019168109
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,296.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2300 MAITLAND CENTER PKWY STE 320, 2300, MAITLAND, FL 32751-7412

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5411 MANCHESTER DR, SAINT CLOUD, FL 34771-7681
Investor	Possibly a Property Investor

Mortgage

Document Number	0056481445
Date	Dec 27, 2019
Instrument	5648/1445

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 5411 Manchester Dr was $4,634 with exemptions applied.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,634.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$306,822	$410,800 Land $78,800 Building $332,000
2023	$4,364.00 (+3.53%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$289,491 (+3%)	$433,400 (+14.38%) Land $68,200 Building $365,200
2022	$4,215.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$281,060	$378,900 Land $68,200 Building $310,700

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

Flood

FEMA maps place 5411 Manchester Dr in Zone X, an area of minimal flood risk, within 100 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 100 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

Wildfire risk around 5411 Manchester Dr is moderate, ranking above 68% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 68% of the US · above 48% of Florida
Wildfire Likelihood	0.3% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 154 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink, Xfinity.

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