Osceola County property record for 5431 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 2019 |
| Square Footage | 2,130 sqft Heated Area |
| Lot Size | 7,405 sqft (0.169 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $279,939 (2019) |
| Tax Bill | $4,400.00 (2025) |
| Primary APN | 162531338100010460 |
|---|
| 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 | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 7,405 sqft (0.169 acres) |
| Garage Type | Finished Garage |
| Garage Area | 410 sqft Garage |
| Pool Area | 36 sqft Pool |
|---|---|
| Fence | Fence |
| Deck Area | 968 sqft Deck |
| Porch | Open Porch |
| Porch Area | 180 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 5431 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 46 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 16 |
| Legal Subdivision | HANOVER RESERVE |
| Legal Tract | 3381 |
| Legal Lot Number | 46 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1031 |
| Census Tract | 43700 |
Source: Osceola County records · APN 162531338100010460
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 |
|---|---|
| Mailing Address | 5431 ARDMORE LOOP, SAINT CLOUD, FL 34771-8019 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 26, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Jun 10, 2020 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Jan 29, 2019 | Special Warranty Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage BANKERS MORTGAGE LENDING INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 29, 2019 · Amount on Record |
| Deed Sale | Jan 29, 2019 · Amount on Record |
| Deed Doc Number | 2019011374 |
| Deed Book / Page | 5468 / 2887 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5431 ARDMORE LOOP, SAINT CLOUD, FL 34771-8019 |
| Transaction Type | Mortgage |
| Record Updated | May 04, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 5431 ARDMORE LOOP, SAINT CLOUD, FL 34771-8019 |
| Document Number | 0059211842 |
|---|---|
| Date | Mar 26, 2021 |
| Book Page | 5921/1842 |
| Instrument | 2021045710 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 352 Months |
| Due | Jul 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5431 ARDMORE LOOP, SAINT CLOUD, FL 34771-8019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0057350336 |
|---|---|
| Date | Jun 10, 2020 |
| Book Page | 5735/336 |
| Instrument | 2020074202 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 29, 2019 |
| Property Address | 5431 ARDMORE LOOP, SAINT CLOUD, FL 34771-8019 |
| Document Number | 0054682887 |
| Book / Page | 5468 / 2887 |
| Map Reference | MB 24 PG 133-135 |
| Instrument Date | Jan 25, 2019 |
| Instrument | 2019011374 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,960.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2420 LAKEMONT AVE STE 450, 2420, ORLANDO, FL 32814-6165 |
| Name | Verified Name |
|---|---|
| Address | 5431 ARDMORE LOOP, SAINT CLOUD, FL 34771-8019 |
| Document Number | 2019011375 |
|---|---|
| Date | Jan 29, 2019 |
| Instrument | 2019011375 |
| Name | BANKERS MORTGAGE LENDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2049 |
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 | $4,400.00 (+7.16%) Homeowner's exemption | $307,016 (+5.99%) | $405,200 (-0.25%) Land $75,000 Building $330,200 |
| 2023 | $4,106.00 (+4.08%) Homeowner's exemption | $289,674 (+3%) | $406,200 (+14.91%) Land $75,000 Building $331,200 |
| 2022 | $3,945.00 Homeowner's exemption | $281,237 | $353,500 Land $55,000 Building $298,500 |
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 72% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 146 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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