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5417 Ardmore Loop, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5417 Ardmore Loop, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms5 Beds
Bathrooms5 Baths
Year BuiltBuilt 2019
Square Footage4,840 sqft Heated Area
Lot Size6,970 sqft (0.16 acres)
OccupancyOwner Occupied
Last Sale$432,982 (2019)
Tax Bill$6,097.00 (2025)

Property Details

APN / Parcel Number

Primary APN162531338100010390

Interior

Bedrooms5 Beds
Full Baths5 Baths
Partial Baths1 Partial Baths
Building Area4,840 sqft Heated Area
Gross Area5,705 sqft Gross Area
1st Floor2,255 sqft 1st Floor
Upper Floors2,585 sqft Upper Floors
Stories2 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2019
Exterior MaterialStucco Exterior
Construction TypeFrame Construction
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area6,970 sqft (0.16 acres)
Garage TypeFinished Garage
Garage Area648 sqft Garage
FenceFence
PorchOpen Porch
Porch Area217 sqft Porch

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address5417 ARDMORE LOOP
CitySAINT CLOUD
StateFL
Zip34771-8019
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionHANOVER RESERVE REPLAT PB 24 PGS 133-135 LOT 39
Legal Range31E
Legal Township25S
Legal Section16
Legal SubdivisionHANOVER RESERVE
Legal Tract3381
Legal Lot Number39
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1031
Census Tract43700

Owner

Source: Osceola County records · APN 162531338100010390

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 Record2 Individual Names on File
Mailing Address5417 ARDMORE LOOP, SAINT CLOUD, FL 34771-8019
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jan 31, 2024Deed of Trust, Mortgage · Stand Alone Second Mortgage
NAVY FCU
Jun 28, 2019Loan Modification, Mortgage · Line of Credit
AMERICAN MOMENTUM BK
Apr 26, 2019Grant Deed, Transfer
TRINITY TITLE COMPANY/CTRL FL LLC, TRINITY TITLE CO/CTRL FL LLC
Feb 01, 2019Grant Deed, Subdivision Related Transfer
NAVY FCU

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleFeb 01, 2019 · Amount on Record
Deed SaleFeb 01, 2019 · Amount on Record
Deed Doc Number2019013104
Deed Book / Page5470 / 2854
Record RefreshedJun 08, 2026

January 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5417 ARDMORE LOOP, SAINT CLOUD, FL 34771-8019
Transaction TypeMortgage
Record UpdatedFeb 13, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address5417 ARDMORE LOOP, SAINT CLOUD, FL 34771-8019

Mortgage

Document Number0065421077
DateJan 31, 2024
Book Page6542/1077
Instrument2024012830
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeStand Alone Second Mortgage
AmountAmount Recorded
Term181 Months
DueFeb 01, 2039

June 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Recording DateJun 28, 2019
Property Address5417 ARDMORE LOOP, SAINT CLOUD, FL 34771-8019
Document Number0055490909
Book / Page005549 / 000909
Instrument DateJun 28, 2019
Instrument84135
Transaction TypeMortgage
Record UpdatedJul 15, 2019
Title CompanyTRINITY TITLE COMPANY/CTRL FL LLC, TRINITY TITLE CO/CTRL FL LLC

Transaction

Tax$0.00
Additional
  • Multiple parcels conveyed, unknown impact to APN

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address605 COMMONWEALTH AVE ORLANDO FL 328035223, ORLANDO, FL 32803-5223

Mortgage

Document Number55490909
DateJun 28, 2019
Book Page005549/000909
Instrument84135
Lender
NameAMERICAN MOMENTUM BK
TypeBank
Address500 S WASHINGTON BLVD # 3RD, SARASOTA, FL 34236-7139
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

April 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateApr 26, 2019
Property Address5417 ARDMORE LOOP, SAINT CLOUD, FL 34771-8019
Document Number0055132882
Book / Page005513 / 002882
Instrument DateApr 24, 2019
Instrument53364
Transaction TypeTransfer
Record UpdatedMay 14, 2019
Title CompanyTRINITY TITLE COMPANY/CTRL FL LLC, TRINITY TITLE CO/CTRL FL LLC

Transaction

AmountAmount Recorded
Tax$5,428.50
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address605 COMMONWEALTH AVE ORLANDO FL 328035223, ORLANDO, FL 32803-5223
InvestorPossibly a Property Investor

February 2019: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateFeb 01, 2019
Property Address5417 ARDMORE LOOP, SAINT CLOUD, FL 34771-8019
Document Number0054702854
Book / Page005470 / 002854
Instrument DateJan 31, 2019
Instrument13104
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 12, 2019
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$3,030.87
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address5417 ARDMORE LOOP #LOC ST CLOUD FL 347718019, ST CLOUD, FL 34771-8019

Mortgage

Document Number54702856
DateFeb 01, 2019
Book Page005470/002856
Instrument13105
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
AmountAmount Recorded
Term360 Months
DueJan 31, 2049

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$6,097.00 (+6.59%) Homeowner's exemption$429,495 (+5.99%)$610,100 (-0.67%) Land $75,000 Building $535,100
2023$5,720.00 (+3.74%) Homeowner's exemption$405,234 (+3%)$614,200 (+15.19%) Land $75,000 Building $539,200
2022$5,514.00 Homeowner's exemption$393,432$533,200 Land $55,000 Building $478,200

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskHigh
above 82% of the US · above 73% of Florida
Wildfire LikelihoodAbout 1 in 151 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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