Osceola County property record for 5478 Hanover Square Dr, Saint Cloud, FL 34771
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $439,990 (Apr 2026) |
| Tax Bill | $1,039 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-25-31-3674-0001-0570 |
| Primary APN | 16-25-31-3674-0001-0570 |
|---|---|
| Alternative APN |
|
| Lot Area | 6,098 sqft (0.14 acres) |
|---|
| Street Address | 5478 HANOVER SQUARE DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-3914 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Legal Description | BRACK RANCH PH 1 PB 35 PGS 20-25 LOT 57 |
| Legal Subdivision | BRACK RANCH PHASE 1 |
| Legal Lot Number | 57 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 43700 |
Source: Osceola County records · APN 16-25-31-3674-0001-0570
Assessment roll updated November 26, 2025 · Last verified July 2026
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 | 5478 HANOVER SQUARE DR, SAINT CLOUD, FL 34771-3914 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Apr 02, 2026 | Special Warranty Deed · Conventional Mortgage UNIVERSAL LENDING CORPORATION |
| Apr 02, 2026 | Special Warranty Deed · Conventional Mortgage UNIVERSAL LENDING CORPORATION |
| Mar 25, 2026 | Special Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Jul 02, 2025 | Special Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMER TITLE INS CO NCS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 02, 2026 · Amount on Record |
| Deed Sale | Apr 02, 2026 · Amount on Record |
| Prior Sale | Mar 25, 2026 · Amount on Record |
| Deed Document Number | 202644990 |
| Deed Book / Page | 6949 / 2622 |
| Record Updated | Sep 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 02, 2026 |
| Property Address | 5478 HANOVER SQUARE DR, SAINT CLOUD, FL 34771-3914 |
| Document Number | 0000044990 |
| Book / Page | 6949 / 2622 |
| Instrument Date | Mar 30, 2026 |
| Instrument | 202644990 |
| Record Updated | Apr 16, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $311,072.93 |
| Amount Accuracy | Calculated from Transfer Tax |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5478 HANOVER SQUARE DR, SAINT CLOUD, FL 34771-3914 |
| Document Number | 0000044991, |
|---|---|
| Date | Apr 02, 2026 |
| Instrument | 202644991 |
| Name | UNIVERSAL LENDING CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.99% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 02, 2026 |
| Property Address | 5478 HANOVER SQUARE DR, SAINT CLOUD, FL 34771-3914 |
| Document Number | 0069492622 |
| Book / Page | 6949 / 2622 |
| Instrument Date | Mar 30, 2026 |
| Instrument | 202644990 |
| Record Updated | Jul 02, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $311,072.93 |
| Amount Accuracy | Calculated from Transfer Tax |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5478 HANOVER SQUARE DR, SAINT CLOUD, FL 34771-3914 |
| Document Number | 0000044991, |
|---|---|
| Date | Apr 02, 2026 |
| Instrument | 202644991 |
| Name | UNIVERSAL LENDING CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.99% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 25, 2026 |
| Property Address | 5478 HANOVER SQUARE DR, SAINT CLOUD, FL 34771-3914 |
| Document Number | 0069431958 |
| Book / Page | 6943 / 1958 |
| Map Reference | MB 35 PG 20-25 |
| Instrument Date | Mar 20, 2026 |
| Instrument | 2026039708 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2026 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $940.10 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 18300 VON KARMAN AVE STE 1000, 1000, IRVINE, CA 92612-0182 |
| Investor | Possibly a Property Investor |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 02, 2025 |
| Property Address | 5478 HANOVER SQUARE DR, SAINT CLOUD, FL 34771-3914 |
| Document Number | 0068122754 |
| Book / Page | 6812 / 2754 |
| Map Reference | MB 35 PG 20 |
| Instrument Date | Jun 25, 2025 |
| Instrument | 2025082598 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMER TITLE INS CO NCS |
| Amount | Amount Recorded |
|---|---|
| Tax | $54,384.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 18300 VON KARMAN AVE STE 1000, 1000, IRVINE, CA 92612-0182 |
| Name | Verified Name |
|---|---|
| Address | 501 OFFICE CENTER DR STE 350, 350, FORT WASHINGTON, PA 19034-3244 |
| Investor | Possibly a Property Investor |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,039.00 (+100.97%) | $75,000 Land $75,000 | $75,000 Land $75,000 |
| 2024 | $517.00 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 |
|
| Wildfire Risk | High above 77% of the US · above 65% of Florida |
|---|---|
| Wildfire Likelihood | 0.6% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max 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.
Based on FCC filings for 444 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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