Osceola County property record for 5431 Hanover Square Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,004 sqft · built 2019 |
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $295,002 (May 2019) |
| Tax Bill | $3,947 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage May 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 162531344200010290 |
| Primary APN | 162531344200010290 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,004 sqft Heated Area |
| Gross Area | 2,576 sqft |
| 1st Floor Area | 2,004 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Concrete Block |
| 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 | 152 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 5431 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 29 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 16 |
| Legal Subdivision | HANOVER SQUARE |
| Legal Tract | 3442 |
| Legal Lot Number | 29 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 43700 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 5431 HANOVER SQUARE DR, SAINT CLOUD, FL 34771-3900 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| May 23, 2019 | Grant Deed, Transfer · Conventional with PMI KBHS HM LNS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 23, 2019 · Amount on Record |
| Deed Sale | May 23, 2019 · Amount on Record |
| Deed Document Number | 2019066529 |
| Deed Book / Page | 5528 / 2688 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5431 HANOVER SQUARE DR, SAINT CLOUD, FL 34771-3900 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0057532425 |
|---|---|
| Date | Jul 14, 2020 |
| Book Page | 5753/2425 |
| Instrument | 2020090809 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 23, 2019 |
| Property Address | 5431 HANOVER SQUARE DR, SAINT CLOUD, FL 34771-3900 |
| Document Number | 0055282688 |
| Book / Page | 005528 / 002688 |
| Instrument Date | May 22, 2019 |
| Instrument | 66529 |
| Transaction Type | Transfer |
| Record Updated | Jun 4, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,065.01 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5431 HANOVER SQUARE DR ST CLOUD FL 347713900, ST CLOUD, FL 34771-3900 |
| Document Number | 55282690 |
|---|---|
| Date | May 23, 2019 |
| Book Page | 005528/002690 |
| Instrument | 66530 |
| Name | KBHS HM LNS LLC |
|---|---|
| Address | IRVING, TX 75039 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 22, 2049 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,947.00 (+7.4%) Homeowner's exemption | $274,356 (+5.99%) | $349,900 (+1.63%) Land $75,000 Building $274,900 |
| 2023 | $3,675.00 (+4.2%) Homeowner's exemption | $258,859 (+3%) | $344,300 (+29.68%) Land $75,000 Building $269,300 |
| 2022 | $3,527.00 Homeowner's exemption | $251,320 | $265,500 Land $55,000 Building $210,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
| 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.
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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