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5435 Hanover Square Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5435 Hanover Square Dr, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details8 bd · 3 ba · 2,585 sqft · built 2018
Lot Size0.14 acres (6,098 sqft)
Owner2 Individual Names on File
Tax Bill$6,292 (2025)
Deeds & MortgagesFeb 2022 Mortgage
Sep 2018 Sale
Flood ZoneZone X (minimal risk)
APN16-25-31-3442-0001-0300

Property Details

APN / Parcel Number

Primary APN16-25-31-3442-0001-0300
Alternative APN
  • 253116344200010300

Interior

Bedrooms8 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,585 sqft Living Area
Gross Area3,332 sqft
1st Floor Area1,133 sqft
Upper Floors Area1,452 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2018
Architectural StyleConventional
Exterior MaterialCombination
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,098 sqft (0.14 acres)
Garage TypeAttached
Garage Area441 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area306 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address5435 HANOVER SQUARE DR
CitySAINT CLOUD
StateFL
Zip34771-3900
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHANOVER SQUARE PB 26 PGS 106-107 LOT 30
Legal Range31E
Legal Township25S
Legal Section16
Legal SubdivisionHANOVER SQUARE
Legal Lot Number30
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1031
Census Tract43700

Owner

Source: Osceola County assessment roll, as of November 26, 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 Address5435 HANOVER SQUARE DR, SAINT CLOUD, FL 34771-3900
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 25, 2022Deed of Trust, Mortgage · FHA Mortgage
COMMUNITY LOAN SERVICING LLC
Sep 20, 2018Grant Deed, Subdivision Related Transfer
FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Record UpdatedSep 20, 2026

February 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5435 HANOVER SQUARE DR, SAINT CLOUD, FL 34771-3900
Transaction TypeMortgage
Record UpdatedMar 9, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address5435 HANOVER SQUARE DR, SAINT CLOUD, FL 34771-3900

Mortgage

Document Number0061580569
DateFeb 25, 2022
Book Page6158/569
Instrument2022030876
Lender
NameCOMMUNITY LOAN SERVICING LLC
TypeMortgage Company
AddressMIAMI, FL 33146
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 1, 2052

September 2018: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateSep 20, 2018
Property Address5435 HANOVER SQUARE DR, SAINT CLOUD, FL 34771-3900
Document Number0054032056
Book / Page005403 / 002056
Instrument DateSep 19, 2018
Instrument141326
Transaction TypeSubdivision Related Transfer
Record UpdatedOct 24, 2018
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
Tax$2,185.24
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address5435 HANOVER SQUARE DR ST CLOUD FL 34771, ST CLOUD, FL 34771

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,292.00 (+11.38%)$402,700 (+1.77%) Land $75,000 Building $327,700$402,700 (+1.77%) Land $75,000 Building $327,700
2023$5,649.00 (+16.35%)$395,700 (+29.23%) Land $75,000 Building $320,700$395,700 (+29.23%) Land $75,000 Building $320,700
2022$4,855.00$306,200 Land $55,000 Building $251,200$306,200 Land $55,000 Building $251,200

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 330 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies330 in force
Nearby Flood Claims18 (2004–2022)
Claims Outside the SFHA1 of 18
Most Recent ClaimOct 2022 · Hurricane Ian
Claims by Event
  • Hurricane Ian, Oct 2022 · 2 claims
  • Hurricane Ian, Sep 2022 · 5 claims
  • Hurricane Frances, Sep 2004 · 6 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskHigh
above 77% of the US · above 65% of Florida
Wildfire Likelihood0.6% annual chance
ExposureDirect
burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemTOHO WATER AUTHORITY-POINCIANA SYSTEM
public/private · serves 69,447 people · EPA ID FL3494429
Water SourceGroundwater
Last State InspectionMar 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 444 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Lumen Technologies
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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