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5432 Ardmore Loop, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5432 Ardmore Loop, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3 Baths
Year BuiltBuilt 2019
Square Footage2,947 sqft Heated Area
Lot Size9,583 sqft (0.219 acres)
OccupancyOwner Occupied
Last Sale$326,846 (2019)
Tax Bill$4,338.00 (2025)

Property Details

APN / Parcel Number

Primary APN162531338100010630

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area2,947 sqft Heated Area
Gross Area3,564 sqft Gross Area
1st Floor1,503 sqft 1st Floor
Upper Floors1,444 sqft Upper Floors
Stories2 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2019
Exterior MaterialStucco Exterior
Construction TypeFrame Construction
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area9,583 sqft (0.219 acres)
Garage TypeFinished Garage
Garage Area420 sqft Garage
PorchOpen Porch
Porch Area197 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address5432 ARDMORE LOOP
CitySAINT CLOUD
StateFL
Zip34771-8018
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionHANOVER RESERVE REPLAT PB 24 PGS 133-135 LOT 63
Legal Range31E
Legal Township25S
Legal Section16
Legal SubdivisionHANOVER RESERVE
Legal Tract3381
Legal Lot Number63
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1035
Census Tract43700

Owner

Source: Osceola County records · APN 162531338100010630

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 Record2 Individual Names on File
Mailing Address5432 ARDMORE LOOP, SAINT CLOUD, FL 34771-8018
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Nov 18, 2021Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
CALIBER HOME LOANS INC
Apr 02, 2019Grant Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage
CALIBER HM LOANS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 02, 2019 · Amount on Record
Deed SaleApr 02, 2019 · Amount on Record
Deed Doc Number2019040828
Deed Book / Page5500 / 2250
Record RefreshedJun 08, 2026

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5432 ARDMORE LOOP, SAINT CLOUD, FL 34771-8018
Transaction TypeMortgage
Record UpdatedDec 08, 2021
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

NameVerified Name
Address5432 ARDMORE LOOP, SAINT CLOUD, FL 34771-8018

Mortgage

Document Number0060900141
DateNov 18, 2021
Book Page6090/141
Instrument2021179589
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
AddressCOPPELL, TX 75019
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2051

April 2019: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateApr 02, 2019
Property Address5432 ARDMORE LOOP, SAINT CLOUD, FL 34771-8018
Document Number0055002250
Book / Page005500 / 002250
Instrument DateMar 29, 2019
Instrument40828
Transaction TypeSubdivision Related Transfer
Record UpdatedApr 16, 2019
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,287.92
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address5432 ARDMORE LOOP ST CLOUD FL 347718018, ST CLOUD, FL 34771-8018

Mortgage

Document Number55002252
DateApr 02, 2019
Book Page005500/002252
Instrument40829
Lender
NameCALIBER HM LOANS
TypeFunding / Finance Company
AddressCOPPELL, TX 75019
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2049

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$4,338.00 (+7.16%) Homeowner's exemption$302,595 (+5.99%)$426,300 (-0.61%) Land $75,000 Building $351,300
2023$4,048.00 (+4.09%) Homeowner's exemption$285,503 (+3%)$428,900 (+16.36%) Land $75,000 Building $353,900
2022$3,889.00 Homeowner's exemption$277,188$368,600 Land $55,000 Building $313,600

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskHigh
above 71% of the US · above 52% of Florida
Wildfire LikelihoodAbout 1 in 286 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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