5427 Hanover Square Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5427 Hanover Square Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,348 sqft · built 2019
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$289,569 (Jul 2019)
Tax Bill	$3,955 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`162531344200010280`

Property Details

APN / Parcel Number

Primary APN	`162531344200010280`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,348 sqft Heated Area
Gross Area	2,808 sqft
1st Floor Area	1,000 sqft
Upper Floors Area	1,348 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.139 acres)
Garage Type	Finished
Garage Area	420 sqft
Porch	Open Porch
Porch Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5427 HANOVER SQUARE DR
City	SAINT CLOUD
State	FL
Zip	34771-3900
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HANOVER SQUARE PB 26 PGS 106-107 LOT 28
Legal Range	31E
Legal Township	25S
Legal Section	16
Legal Subdivision	HANOVER SQUARE
Legal Tract	3442
Legal Lot Number	28
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1031
Census Tract	43700

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	5427 HANOVER SQUARE DR, SAINT CLOUD, FL 34771-3900
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2022	Deed of Trust, Mortgage · Line of Credit ADDITION FINANCIAL CU
Sep 23, 2021	Deed of Trust, Mortgage · FHA Mortgage BROKER SOLUTIONS INC
Jul 29, 2019	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2019 · Amount on Record
Deed Sale	Jul 29, 2019 · Amount on Record
Deed Document Number	2019097184
Deed Book / Page	5563 / 2637
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5427 HANOVER SQUARE DR, SAINT CLOUD, FL 34771-3900
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	PRIMERA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5477 HANOVER SQUARE DR, SAINT CLOUD, FL 34771

Mortgage

Document Number	0061920844
Date	Apr 12, 2022
Book Page	6192/844
Instrument	2022057977

Lender

Name	ADDITION FINANCIAL CU
Type	Credit Union
Address	LAKE MARY, FL 32746

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5427 HANOVER SQUARE DR, SAINT CLOUD, FL 34771-3900
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5427 HANOVER SQUARE DR, SAINT CLOUD, FL 34771-3900

Mortgage

Document Number	0060501305
Date	Sep 23, 2021
Book Page	6050/1305
Instrument	2021148102

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

July 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 29, 2019
Property Address	5427 HANOVER SQUARE DR, SAINT CLOUD, FL 34771-3900
Document Number	0055632637
Book / Page	5563 / 2637
Map Reference	MB 26 PG 106-1078
Instrument Date	Jul 26, 2019
Instrument	2019097184
Transaction Type	Subdivision Related Transfer
Record Updated	May 2, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,027.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9102 SOUTHPARK CENTER LOOP STE 100, 9102, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5427 HANOVER SQUARE DR, SAINT CLOUD, FL 34771-3900

Mortgage

Document Number	0055632639
Date	Jul 29, 2019
Instrument	5563/2639

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,955.00 (+7.39%) Homeowner's exemption	$274,918 (+5.99%)	$349,100 (+1.63%) Land $75,000 Building $274,100
2023	$3,683.00 (+4.19%) Homeowner's exemption	$259,390 (+3%)	$343,500 (+29.57%) Land $75,000 Building $268,500
2022	$3,535.00 Homeowner's exemption	$251,835	$265,100 Land $55,000 Building $210,100

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 330 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	330 in force
Nearby Flood Claims	18 (2004–2022)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 77% of the US · above 65% of Florida
Wildfire Likelihood	0.6% annual chance
Exposure	Direct burnable vegetation

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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 444 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Xfinity.

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