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5420 Manchester Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5420 Manchester Dr, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,662 sqft · built 2020
Lot Size0.2 acres (8,712 sqft)
OwnerIndividual Name on File
Last Sale$320,000 (Mar 2020)
Tax Bill$4,696 (2025)
Deeds & MortgagesMar 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN042631017300011910

Property Details

APN / Parcel Number

Primary APN042631017300011910

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,662 sqft Heated Area
Gross Area3,461 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,712 sqft (0.2 acres)
Garage TypeFinished
PorchOpen Porch

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address5420 MANCHESTER DR
CitySAINT CLOUD
StateFL
Zip34771-7680
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLANCASTER PARK EAST PH 2 PB 27 PGS 87-92 LOT 191
Legal Range31E
Legal Township26S
Legal Section04
Legal SubdivisionLANCASTER PARK
Legal Phase2
Legal Tract173
Legal Lot Number191
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3026
Census Tract43700

Owner

5420 Manchester Dr is owned and occupied by an individual who bought it in March 2020.

Source: Osceola County records, as of December 11, 2025

Owner of RecordIndividual Name on File
Co-owner2 Co-owners on File
Mailing Address5420 MANCHESTER DR, SAINT CLOUD, FL 34771-7680
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed Names4 Names on Deed
Last SaleMar 20, 2020 · Amount on File
Deed SaleMar 20, 2020 · Amount on File
Deed Document Number2020040315
Deed Book / Page5696 / 4
Record UpdatedJun 8, 2026

March 2020: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 20, 2020
Property Address5420 MANCHESTER DR, SAINT CLOUD, FL 34771-7680
Document Number0056960004
Book / Page5696 / 4
Map ReferenceBK 27 PG 87
Instrument DateFeb 28, 2020
Instrument2020040315
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyCALATLANTIC TITLE INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,240.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address5420 MANCHESTER DR, SAINT CLOUD, FL 34771-7680

Mortgage

Document Number0056960008
DateMar 20, 2020
Instrument5696/0008
Lender
NameEAGLE HOME MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueMar 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 5420 Manchester Dr was $4,696 with a homeowner's exemption.

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,696.00 Homeowner's exemption$305,278$403,100 Land $75,000 Building $328,100
2023$4,428.00 (+3.46%) Homeowner's exemption$288,034 (+3%)$426,100 (+14.6%) Land $65,000 Building $361,100
2022$4,280.00 Homeowner's exemption$279,645$371,800 Land $65,000 Building $306,800

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

Flood

FEMA maps place 5420 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 70 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies70 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 5420 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 RiskModerate
above 68% of the US · above 48% of Florida
Wildfire Likelihood0.3% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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