1400 Canopy Oaks Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1400 Canopy Oaks Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.439 acres (19,166 sqft)
Owner	Trust Name on File
Last Sale	$350,000 (Jul 2025)
Tax Bill	$3,602 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`157592`

Property Details

APN / Parcel Number

Primary APN	`157592`
Alternative APN	`172531316400010170`

Exterior

Lot Area	19,166 sqft (0.439 acres)

Location & Zoning

Account Number	157592
Street Address	1400 CANOPY OAKS CT
City	SAINT CLOUD
State	FL
Zip	34771-8883
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	PD
Legal Description	EAST LAKE PARK PH 3-5 PB 20 PG 64-68 LOT 17
Legal Range	31E
Legal Township	25S
Legal Section	17
Legal Subdivision	EAST LK PK PH 3-5
Legal Phase	3-5
Legal Tract	3164
Legal Block	1
Legal Lot Number	17
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1032
Census Tract	43600

Owner

1400 Canopy Oaks Ct, residential vacant land, is held in a trust since July 2025.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Trust Name on File
Co-owner	Co-owner on File
Mailing Address	14112 OAKWOOD COVE LN, ORLANDO, FL 32832-5746
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2025	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Dec 2, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage SUNRISE BANK

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Jul 28, 2025 · Amount on File
Deed Sale	Jul 28, 2025 · Amount on File
Prior Sale	Dec 2, 2022 · Amount on File
Deed Document Number	2025093564
Deed Book / Page	6825 / 1735
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1400 CANOPY OAKS CT, SAINT CLOUD, FL 34771-8883
Transaction Type	Mortgage
Record Updated	Dec 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14112 OAKWOOD COVE LN, ORLANDO, FL 32832-5746

Mortgage

Document Number	0068950626
Date	Dec 17, 2025
Book Page	6895/626
Instrument	2025154176

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.4%
Type Change Date	Jan 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.4%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.4%

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 2, 2022
Property Address	1400 CANOPY OAKS CT, SAINT CLOUD, FL 34771-8883
Document Number	0063240214
Book / Page	6324 / 214
Map Reference	MB 20 PG 64-68
Instrument Date	Nov 30, 2022
Instrument	2022173898
Transaction Type	Transfer
Record Updated	Jan 11, 2023
Title Company	TWO RIVERS TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3246 MAJESTIC OAK DR, SAINT CLOUD, FL 34771-7785

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1400 CANOPY OAKS CT, SAINT CLOUD, FL 34771-8883

Mortgage

Document Number	0006324216
Date	Dec 2, 2022
Instrument	6324/216

Lender

Name	SUNRISE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1400 Canopy Oaks Ct was $3,602.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,602.00	$260,000 Land $260,000	$260,000 Land $260,000
2023	$3,630.00 (+65.83%)	$260,000 (+57.58%) Land $260,000	$260,000 (+57.58%) Land $260,000
2022	$2,189.00	$165,000 Land $165,000	$165,000 Land $165,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1400 Canopy Oaks Ct in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	61.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 278 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	278 in force
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	2 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 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

Wildfire risk around 1400 Canopy Oaks Ct is high, ranking above 71% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 71% of the US · above 53% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 122 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Xfinity.

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