Osceola County property record for 5425 Ardmore Loop, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2018 |
| Square Footage | 2,130 sqft Heated Area |
| Lot Size | 13,504 sqft (0.31 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $304,260 (2018) |
| Tax Bill | $3,898.00 (2025) |
| Primary APN | 162531338100010430 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,130 sqft Heated Area |
| Gross Area | 2,720 sqft Gross Area |
| 1st Floor | 2,130 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile 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 | 13,504 sqft (0.31 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 410 sqft Garage |
| Porch | Open Porch |
| Porch Area | 180 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 5425 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 43 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 16 |
| Legal Subdivision | HANOVER RESERVE |
| Legal Tract | 3381 |
| Legal Lot Number | 43 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1031 |
| Census Tract | 43700 |
Source: Osceola County records · APN 162531338100010430
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 | Trust Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 5425 ARDMORE LOOP, SAINT CLOUD, FL 34771-8019 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Owner is a Trust |
| Date | Document |
|---|---|
| Aug 04, 2023 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Apr 14, 2022 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage PENNYMAC LOAN SERVICES LLC |
| Dec 19, 2018 | Special Warranty Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage EQUITY PRIME MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 19, 2018 · Amount on Record |
| Deed Sale | Dec 19, 2018 · Amount on Record |
| Deed Doc Number | 2018185655 |
| Deed Book / Page | 5452 / 0794 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5425 ARDMORE LOOP, SAINT CLOUD, FL 34771-8019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 5425 ARDMORE LOOP, SAINT CLOUD, FL 34771-8019 |
| Document Number | 0064520962 |
|---|---|
| Date | Aug 04, 2023 |
| Book Page | 6452/962 |
| Instrument | 2023101412 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 335 Months |
| Due | Jul 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5425 ARDMORE LOOP, SAINT CLOUD, FL 34771-8019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 5425 ARDMORE LOOP, SAINT CLOUD, FL 34771-8019 |
| Document Number | 0061941383 |
|---|---|
| Date | Apr 14, 2022 |
| Book Page | 6194/1383 |
| Instrument | 2022059726 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 351 Months |
| Due | Jul 01, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 19, 2018 |
| Property Address | 5425 ARDMORE LOOP, SAINT CLOUD, FL 34771-8019 |
| Document Number | 0054520794 |
| Book / Page | 5452 / 0794 |
| Map Reference | MB 24 PG 133-135 |
| Instrument Date | Nov 16, 2018 |
| Instrument | 2018185655 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | FIDELITY NATL TITLE OF FLORI |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,130.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2420 LAKEMONT AVE STE 450, 2420, ORLANDO, FL 32814-6165 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 5425 ARDMORE LOOP, SAINT CLOUD, FL 34771-8019 |
| Document Number | 2018185656 |
|---|---|
| Date | Dec 19, 2018 |
| Instrument | 2018185656 |
| Name | EQUITY PRIME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2048 |
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 | $3,898.00 (+7.44%) Homeowner's exemption | $270,785 (+5.99%) | $366,700 (-0.52%) Land $75,000 Building $291,700 |
| 2023 | $3,628.00 (+4.19%) Homeowner's exemption | $255,490 (+3%) | $368,600 (+16.79%) Land $75,000 Building $293,600 |
| 2022 | $3,482.00 Homeowner's exemption | $248,049 | $315,600 Land $55,000 Building $260,600 |
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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