Osceola County property record for 5428 Ardmore Loop, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 4 Baths |
| Year Built | Built 2018 |
| Square Footage | 4,768 sqft Heated Area |
| Lot Size | 13,939 sqft (0.319 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $750,000 (2024) |
| Tax Bill | $9,207.00 (2025) |
| Primary APN | 162531338100010650 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 4,768 sqft Heated Area |
| Gross Area | 5,908 sqft Gross Area |
| 1st Floor | 2,183 sqft 1st Floor |
| Upper Floors | 2,585 sqft Upper Floors |
| Stories | 2 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Stucco Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 13,939 sqft (0.319 acres) |
| Parking Spaces | 4 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 930 sqft Garage |
| Pool Area | 53 sqft Pool |
|---|---|
| Fence | Fence |
| Deck Area | 1,369 sqft Deck |
| Porch | Open Porch |
| Porch Area | 210 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 5428 ARDMORE LOOP |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8018 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | HANOVER RESERVE REPLAT PB 24 PGS 133-135 LOT 65 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 16 |
| Legal Subdivision | HANOVER RESERVE |
| Legal Tract | 3381 |
| Legal Lot Number | 65 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1035 |
| Census Tract | 43700 |
Source: Osceola County records · APN 162531338100010650
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 | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 5428 ARDMORE LOOP, SAINT CLOUD, FL 34771-8018 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Jan 14, 2021 | Deed of Trust, Mortgage · Veterans Administration Mortgage FREEDOM MORTGAGE CORP |
| May 13, 2020 | Deed of Trust, Mortgage · Veterans Administration Mortgage FREEDOM MORTGAGE CORP |
| Sep 07, 2018 | Grant Deed, Subdivision Related Transfer · Veterans Administration Mortgage CALIBER HM LOANS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 04, 2024 · Amount on Record |
| Deed Sale | Oct 04, 2024 · Amount on Record |
| Prior Sale | Sep 07, 2018 · Amount on Record |
| Deed Doc Number | 2024127500 |
| Deed Book / Page | 6675 / 958 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5428 ARDMORE LOOP, SAINT CLOUD, FL 34771-8018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 09, 2021 |
| Name | Verified Name |
|---|---|
| Address | 5428 ARDMORE LOOP, SAINT CLOUD, FL 34771-8018 |
| Document Number | 0060700452 |
|---|---|
| Date | Oct 21, 2021 |
| Book Page | 6070/452 |
| Instrument | 2021164190 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5428 ARDMORE LOOP, SAINT CLOUD, FL 34771-8018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 5428 ARDMORE LOOP, SAINT CLOUD, FL 34771-8018 |
| Document Number | 0058701751 |
|---|---|
| Date | Jan 14, 2021 |
| Book Page | 5870/1751 |
| Instrument | 2021006081 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 353 Months |
| Due | Jun 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5428 ARDMORE LOOP, SAINT CLOUD, FL 34771-8018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0057212472 |
|---|---|
| Date | May 13, 2020 |
| Book Page | 5721/2472 |
| Instrument | 2020063764 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MELVILLE, NY 11747 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 07, 2018 |
| Property Address | 5428 ARDMORE LOOP, SAINT CLOUD, FL 34771-8018 |
| Document Number | 0053971486 |
| Book / Page | 005397 / 001486 |
| Instrument Date | Sep 04, 2018 |
| Instrument | 135189 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 24, 2018 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,152.98 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 5428 ARDMORE LOOP ST CLOUD FL 347718018, ST CLOUD, FL 34771-8018 |
| Document Number | 53971488 |
|---|---|
| Date | Sep 07, 2018 |
| Book Page | 005397/001488 |
| Instrument | 135190 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 06, 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 | $9,207.00 (+1,382.61%) Homeowner's exemption | $654,000 (+51.31%) Land $75,000 Building $579,000 | $654,000 (+0.88%) Land $75,000 Building $579,000 |
| 2023 | $621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $432,236 (+3%) | $648,300 (+14.08%) Land $75,000 Building $573,300 |
| 2022 | $576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $419,647 | $568,300 Land $55,000 Building $513,300 |
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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