5423 Manchester Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5423 Manchester Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,246 sqft · built 2019
Lot Size	0.189 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$403,000 (Jan 2026)
Tax Bill	$5,672 (2025)
Deeds & Mortgages	Jan 2026 Sale Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`042631017300011690`

Property Details

APN / Parcel Number

Primary APN	`042631017300011690`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,246 sqft Heated Area
Gross Area	3,030 sqft
1st Floor Area	2,246 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.189 acres)
Garage Type	Finished
Garage Area	449 sqft
Porch	Open Porch
Porch Area	335 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5423 MANCHESTER DR
City	SAINT CLOUD
State	FL
Zip	34771-7681
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LANCASTER PARK EAST PH 2 PB 27 PGS 87-92 LOT 169
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	LANCASTER PARK
Legal Phase	2
Legal Tract	173
Legal Lot Number	169
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3026
Census Tract	43700

Owner

5423 Manchester Dr is owned and occupied by an individual who bought it in January 2026.

Source: Osceola County records, as of January 29, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5423 MANCHESTER DR, SAINT CLOUD, FL 34771-7681
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
Jan 15, 2026	Warranty Deed, Transfer CLEAR CHOICE TITLE, A CLEAR CHOICE TITLE
Aug 27, 2021	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jul 30, 2020	Special Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2026 · Amount on File
Deed Sale	Jan 15, 2026 · Amount on File
Prior Sale	Aug 27, 2021 · Amount on File
Deed Document Number	2026006782
Deed Book / Page	6908 / 2912
Record Updated	Jun 8, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 15, 2026
Property Address	5423 MANCHESTER DR, SAINT CLOUD, FL 34771-7681
Document Number	0069082912
Book / Page	6908 / 2912
Map Reference	MB 27 PG 87-92
Instrument Date	Jan 12, 2026
Instrument	2026006782
Transaction Type	Transfer
Record Updated	Jan 30, 2026
Title Company	CLEAR CHOICE TITLE, A CLEAR CHOICE TITLE

Transaction

Amount	Amount on Record
Tax	$2,821.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3048 CHEROKEE RD, SAINT CLOUD, FL 34772-7450

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5423 MANCHESTER DR, SAINT CLOUD, FL 34771-7681

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 27, 2021
Property Address	5423 MANCHESTER DR, SAINT CLOUD, FL 34771-7681
Document Number	0060312564
Book / Page	6031 / 2564
Map Reference	MB 27 PG 87-92
Instrument Date	Aug 25, 2021
Instrument	2021133812
Transaction Type	Transfer
Record Updated	Jan 30, 2026
Title Company	UNKNOWN, A CLEAR CHOICE T&E OF OSCEOL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,320.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5423 MANCHESTER DR, SAINT CLOUD, FL 34771-7681

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5423 MANCHESTER DR, SAINT CLOUD, FL 34771-7681

Mortgage

Document Number	0060312565
Date	Aug 27, 2021
Instrument	6031/2565

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

July 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 30, 2020
Property Address	5423 MANCHESTER DR, SAINT CLOUD, FL 34771-7681
Document Number	0057650035
Book / Page	5765 / 35
Map Reference	MB 27 PG 87
Instrument Date	Jul 25, 2020
Instrument	2020099697
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	$2,072.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6750 FORUM DR STE 310, 6750, ORLANDO, FL 32821-8088

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 SILO DR, ROCKY HILL, CT 06067-1916

Mortgage

Document Number	0000576539
Date	Jul 30, 2020
Instrument	5765/39

Lender

Name	FIRST NATIONAL BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jul 10, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 5423 Manchester Dr was $5,672 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 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	$5,672.00 Homeowner's exemption	$359,800 Land $78,800 Building $281,000	$359,800 Land $78,800 Building $281,000
2023	$5,380.00 (+3.86%) Homeowner's exemption	$340,888 (+3.42%)	$377,500 (+14.53%) Land $68,200 Building $309,300
2022	$5,180.00 Homeowner's exemption	$329,600 Land $68,200 Building $261,400	$329,600 Land $68,200 Building $261,400

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

Flood

FEMA maps place 5423 Manchester Dr in Zone X, an area of minimal flood risk, within 100 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 100 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 5423 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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