5418 Manchester Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5418 Manchester Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,932 sqft · built 2020
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$345,300 (Feb 2020)
Tax Bill	$4,689 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-26-31-0173-0001-1920`

Property Details

APN / Parcel Number

Primary APN	`04-26-31-0173-0001-1920`
Alternative APN	`263104017300011920`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,932 sqft Living Area
Gross Area	3,840 sqft
1st Floor Area	2,932 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	488 sqft
Porch	Florida Room

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5418 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 192
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	LANCASTER PARK EAST PH 2
Legal Phase	2
Legal Lot Number	192
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3026
Census Tract	43700

Owner

5418 Manchester Dr is owned and occupied by two individuals who bought it in February 2020.

Source: Osceola County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5418 MANCHESTER DR, SAINT CLOUD, FL 34771-7680
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 10, 2026	Deed of Trust, Mortgage · Line of Credit LAKEVIEW LOAN SERVICING
Sep 23, 2021	Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC
Feb 6, 2020	Special Warranty Deed, Transfer · FHA Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 6, 2020 · Amount on File
Deed Sale	Feb 6, 2020 · Amount on File
Deed Document Number	202018570
Deed Book / Page	5670 / 857
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Apr 10, 2026
Property Address	5418 MANCHESTER DR, SAINT CLOUD, FL 34771-7680
Document Number	0069531585
Book / Page	6953 / 1585
Instrument Date	Apr 5, 2026
Instrument	202648017
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5418 MANCHESTER DR, SAINT CLOUD, FL 34771-7680

Mortgage

Document Number	0000048017,
Date	Apr 10, 2026
Book Page	6953/1585
Instrument	202648017

Lender

Name	LAKEVIEW LOAN SERVICING

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 30, 2056

Interest

Rate	6%
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5418 MANCHESTER DR, SAINT CLOUD, FL 34771-7680
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5418 MANCHESTER DR, SAINT CLOUD, FL 34771-7680

Mortgage

Document Number	0060501813
Date	Sep 23, 2021
Book Page	6050/1813
Instrument	2021148246

Lender

Name	LOANCARE LLC
Type	Non-Lending Institution
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	341 Months
Due	Feb 1, 2050

February 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 6, 2020
Property Address	5418 MANCHESTER DR, SAINT CLOUD, FL 34771-7680
Document Number	0056700857
Book / Page	5670 / 0857
Map Reference	MB 27 PG 87
Instrument Date	Jan 29, 2020
Instrument	2020018570
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,417.10
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	5418 MANCHESTER DR, SAINT CLOUD, FL 34771-7680

Mortgage

Document Number	0056700861
Date	Feb 6, 2020
Instrument	5670/0861

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 5418 Manchester Dr was $4,689 with a homeowner's exemption, up 3.4% from the year before.

Source: Osceola County assessment roll, as of November 26, 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	$4,689.00 (+3.44%) Homeowner's exemption	$304,861	$429,200 Land $75,000 Building $354,200
2024	$4,533.00 (+2.53%)
2023	$4,421.00 (+4.66%) Homeowner's exemption	$287,641 (+4.01%)	$439,000 (+15.37%) Land $65,000 Building $374,000
2022	$4,224.00 Homeowner's exemption	$276,545	$380,500 Land $65,000 Building $315,500

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

Flood

FEMA maps place 5418 Manchester Dr in Zone X, an area of minimal flood risk, within 500 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 500 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 5418 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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