Osceola County property record for 5414 Manchester Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,551 sqft · built 2020 |
| Lot Size | 0.21 acres (9,147 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $329,900 (Jul 2020) |
| Tax Bill | $4 (2025) |
| Deeds & Mortgages | Nov 2023 Construction Loan Nov 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-26-31-0173-0001-1940 |
| Primary APN | 04-26-31-0173-0001-1940 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,551 sqft Living Area |
| Gross Area | 3,475 sqft |
| 1st Floor Area | 2,551 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Conventional |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,147 sqft (0.21 acres) |
| Garage Type | Attached |
| Garage Area | 558 sqft |
| Porch | Finished/Open Porch |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 5414 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 194 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | LANCASTER PARK EAST PH 2 |
| Legal Phase | 2 |
| Legal Lot Number | 194 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 43700 |
Source: Osceola County records, as of October 6, 2026
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 Record |
|---|---|
| Mailing Address | 5414 MANCHESTER DR, SAINT CLOUD, FL 34771-7680 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Nov 6, 2023 | Intrafamily Transfer, Transfer · Construction Mortgage UNLOCK PARTNERSHIP SOLUTIONS INC |
| Nov 30, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jul 13, 2020 | Special Warranty Deed, Transfer · VA Mortgage EAGLE HOME MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 13, 2020 · Amount on Record |
| Deed Sale | Jul 13, 2020 · Amount on Record |
| Deed Document Number | 202090295 |
| Deed Book / Page | 5753 / 967 |
| Last Transfer Date | Nov 1, 2023 |
| Transfer Doc | 0065011161 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 6, 2023 |
| Property Address | 5414 MANCHESTER DR, SAINT CLOUD, FL 34771-7680 |
| Document Number | 0065011161 |
| Book / Page | 6501 / 1161 |
| Map Reference | MB 27 PG 87 |
| Instrument Date | Nov 1, 2023 |
| Instrument | 2023146519 |
| Transaction Type | Transfer |
| Record Updated | Dec 6, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5414 MANCHESTER DR, SAINT CLOUD, FL 34771-7680 |
| Name | Verified Name |
|---|---|
| Address | 5414 MANCHESTER DR, SAINT CLOUD, FL 34771-7680 |
| Document Number | 0065011164 |
|---|---|
| Date | Nov 6, 2023 |
| Instrument | 6501/1164 |
| Name | UNLOCK PARTNERSHIP SOLUTIONS INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5414 MANCHESTER DR, SAINT CLOUD, FL 34771-7680 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2022 |
| Title Company | MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS |
| Name | Verified Name |
|---|---|
| Address | 5414 MANCHESTER DR, SAINT CLOUD, FL 34771-7680 |
| Document Number | 0060961423 |
|---|---|
| Date | Nov 30, 2021 |
| Book Page | 6096/1423 |
| Instrument | 2021184267 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | FISHERS, IN 46038 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 345 Months |
| Due | Aug 1, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 13, 2020 |
| Property Address | 5414 MANCHESTER DR, SAINT CLOUD, FL 34771-7680 |
| Document Number | 0057530967 |
| Book / Page | 5753 / 967 |
| Map Reference | MB 27 PG 87 |
| Instrument Date | Jun 29, 2020 |
| Instrument | 2020090295 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | CALATLANTIC TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,309.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2300 MAITLAND CENTER PKWY STE 320, 2300, MAITLAND, FL 32751-7412 |
| Name | Verified Name |
|---|---|
| Address | 5414 MANCHESTER DR, SAINT CLOUD, FL 34771-7680 |
| Document Number | 0005753971 |
|---|---|
| Date | Jul 13, 2020 |
| Instrument | 5753/971 |
| Name | EAGLE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2050 |
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 | $4.00 | $397,200 (-5.34%) Land $75,000 Building $322,200 | $397,200 (-5.34%) Land $75,000 Building $322,200 |
| 2024 | $4.00 (-99.94%) | ||
| 2023 | $6,355.00 (+11.55%) | $419,600 (+14.61%) Land $65,000 Building $354,600 | $419,600 (+14.61%) Land $65,000 Building $354,600 |
| 2022 | $5,697.00 | $366,100 Land $65,000 Building $301,100 | $366,100 Land $65,000 Building $301,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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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