Osceola County property record for 5415 Ardmore Loop, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2018 |
| Square Footage | 2,130 sqft Heated Area |
| Lot Size | 8,276 sqft (0.189 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $325,196 (2018) |
| Tax Bill | $3,972.00 (2025) |
| Primary APN | 162531338100010380 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,130 sqft Heated Area |
| Gross Area | 2,800 sqft Gross Area |
| 1st Floor | 2,130 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 8,276 sqft (0.189 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 410 sqft Garage |
| Fence | Fence |
|---|---|
| Patio Area | 320 sqft Patio |
| Porch | Open Porch |
| Porch Area | 260 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 5415 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 38 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 16 |
| Legal Subdivision | HANOVER RESERVE |
| Legal Tract | 3381 |
| Legal Lot Number | 38 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1031 |
| Census Tract | 43700 |
Source: Osceola County records · APN 162531338100010380
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 | Individual Name on File |
|---|---|
| Mailing Address | 5415 ARDMORE LOOP, SAINT CLOUD, FL 34771-8019 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 28, 2019 | Loan Modification, Mortgage · Line of Credit AMERICAN MOMENTUM BK |
| Apr 26, 2019 | Grant Deed, Transfer TRINITY TITLE COMPANY/CTRL FL LLC, TRINITY TITLE CO/CTRL FL LLC |
| Dec 19, 2018 | Special Warranty Deed, Subdivision Related Transfer · Adjustable Rate Mortgage (ARM) WINGS FINANCIAL CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 19, 2018 · Amount on Record |
| Deed Sale | Dec 19, 2018 · Amount on Record |
| Deed Doc Number | 2018185124 |
| Deed Book / Page | 5451 / 1979 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 28, 2019 |
| Property Address | 5415 ARDMORE LOOP, SAINT CLOUD, FL 34771-8019 |
| Document Number | 0055490909 |
| Book / Page | 005549 / 000909 |
| Instrument Date | Jun 28, 2019 |
| Instrument | 84135 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2019 |
| Title Company | TRINITY TITLE COMPANY/CTRL FL LLC, TRINITY TITLE CO/CTRL FL LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 605 COMMONWEALTH AVE ORLANDO FL 328035223, ORLANDO, FL 32803-5223 |
| Document Number | 55490909 |
|---|---|
| Date | Jun 28, 2019 |
| Book Page | 005549/000909 |
| Instrument | 84135 |
| Name | AMERICAN MOMENTUM BK |
|---|---|
| Type | Bank |
| Address | 500 S WASHINGTON BLVD # 3RD, SARASOTA, FL 34236-7139 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 26, 2019 |
| Property Address | 5415 ARDMORE LOOP, SAINT CLOUD, FL 34771-8019 |
| Document Number | 0055132882 |
| Book / Page | 005513 / 002882 |
| Instrument Date | Apr 24, 2019 |
| Instrument | 53364 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2019 |
| Title Company | TRINITY TITLE COMPANY/CTRL FL LLC, TRINITY TITLE CO/CTRL FL LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $5,428.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 605 COMMONWEALTH AVE ORLANDO FL 328035223, ORLANDO, FL 32803-5223 |
| Investor | Possibly a Property Investor |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 19, 2018 |
| Property Address | 5415 ARDMORE LOOP, SAINT CLOUD, FL 34771-8019 |
| Document Number | 0054511979 |
| Book / Page | 5451 / 1979 |
| Map Reference | MB 24 PG 133-135 |
| Instrument Date | Dec 18, 2018 |
| Instrument | 2018185124 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,276.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2420 LAKEMONT AVE STE 450, 2420, ORLANDO, FL 32814-6165 |
| Name | Verified Name |
|---|---|
| Address | 5415 ARDMORE LOOP, SAINT CLOUD, FL 34771-8019 |
| Document Number | 2018185125 |
|---|---|
| Date | Dec 19, 2018 |
| Instrument | 2018185125 |
| Name | WINGS FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Type | Adjustable Rate Mortgage (ARM) |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.12% |
| Type Change Date | Jan 01, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 6.12% |
| Index | 1-Year CMT |
| Max Rate | 9.12% |
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 | $3,972.00 (+10.06%) Homeowner's exemption | $276,147 (+8.68%) | $372,300 (+1.28%) Land $75,000 Building $297,300 |
| 2023 | $3,609.00 (+4.22%) Homeowner's exemption | $254,091 (+3%) | $367,600 (+16.88%) Land $75,000 Building $292,600 |
| 2022 | $3,463.00 Homeowner's exemption | $246,691 | $314,500 Land $55,000 Building $259,500 |
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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