5434 Ardmore Loop, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5434 Ardmore Loop, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2 Baths
Year Built	Built 2019
Square Footage	1,992 sqft Heated Area
Lot Size	9,148 sqft (0.21 acres)
Occupancy	Owner Occupied
Last Sale	$275,400 (2019)
Tax Bill	$3,723.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`162531338100010620`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,992 sqft Heated Area
Gross Area	2,648 sqft Gross Area
1st Floor	1,992 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

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	9,148 sqft (0.21 acres)
Garage Type	Finished Garage
Garage Area	420 sqft Garage
Porch	Open Porch
Porch Area	236 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	5434 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 62
Legal Range	31E
Legal Township	25S
Legal Section	16
Legal Subdivision	HANOVER RESERVE
Legal Tract	3381
Legal Lot Number	62
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1035
Census Tract	43700

Owner

Source: Osceola County records · APN 162531338100010620

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	2 Individual Names on File
Mailing Address	5434 ARDMORE LOOP, SAINT CLOUD, FL 34771-8018
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 10, 2019 · Amount on Record
Deed Sale	May 10, 2019 · Amount on Record
Deed Doc Number	0055221917
Deed Book / Page	5522 / 1917
Record Refreshed	Jun 08, 2026

May 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 10, 2019
Property Address	5434 ARDMORE LOOP, SAINT CLOUD, FL 34771-8018
Document Number	0055221917
Book / Page	005522 / 001917
Instrument Date	May 10, 2019
Instrument	60735
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 03, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,927.52
Amount Accuracy	Confirmed
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	5434 ARDMORE LOOP ST CLOUD FL 347718018, ST CLOUD, FL 34771-8018

Mortgage

Document Number	55221924
Date	May 10, 2019
Book Page	005522/001924
Instrument	60738

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 09, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,723.00 (+5.53%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$263,146 (+5.99%)	$357,000 (-0.56%) Land $75,000 Building $282,000
2023	$3,528.00 (+4.26%) Homeowner's exemption	$248,282 (+3%)	$359,000 (+17.09%) Land $75,000 Building $284,000
2022	$3,384.00 Homeowner's exemption	$241,051	$306,600 Land $55,000 Building $251,600

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 Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	High above 71% of the US · above 52% of Florida
Wildfire Likelihood	About 1 in 286 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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