1500 Canopy Oaks Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1500 Canopy Oaks Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,872 sqft · built 2020
Lot Size	0.539 acres (23,522 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Sep 2017)
Tax Bill	$9,431 (2025)
Deeds & Mortgages	Jan 2019 Construction Loan Sep 2017 Sale
Flood Zone	Zone AE (high risk)
APN	`157597`

Property Details

APN / Parcel Number

Primary APN	`157597`
Alternative APN	`172531316400010220`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,872 sqft Heated Area
Gross Area	5,198 sqft
Basement Area	524 sqft
Finished Basement	524 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Clay Tile
Lot Area	23,522 sqft (0.539 acres)
Garage Type	Finished

Exterior Amenities

Pool Area	36 sqft
Porch	Open Porch
Deck Area	294 sqft
Patio Area	72 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	157597
Street Address	1500 CANOPY OAKS CT
City	SAINT CLOUD
State	FL
Zip	34771-8884
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	EAST LAKE PARK PH 3-5 PB 20 PG 64-68 LOT 22
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	22
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43600

Owner

Source: Osceola County assessment roll, as of July 1, 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	1500 CANOPY OAKS CT, SAINT CLOUD, FL 34771-8884
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2019	Deed of Trust, Mortgage · Construction Mortgage CENTENNIAL BANK
Sep 25, 2017	Warranty Deed, Transfer PROVINCIAL TITLE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 25, 2017 · Amount on Record
Deed Sale	Sep 25, 2017 · Amount on Record
Prior Sale	Sep 22, 2016 · Amount on Record
Deed Document Number	2017135020
Deed Book / Page	5211 / 2825
Record Updated	Jun 8, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1500 CANOPY OAKS CT, SAINT CLOUD, FL 34771-8884
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054611486
Date	Jan 10, 2019
Book Page	5461/1486
Instrument	2019004111

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Feb 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Feb 1, 2025
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6.87%
Index	1-Year CMT
Max Rate	10.8%

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 25, 2017
Property Address	1500 CANOPY OAKS CT, SAINT CLOUD, FL 34771-8884
Document Number	0052112825
Book / Page	005211 / 002825
Instrument Date	Sep 22, 2017
Instrument	135020
Transaction Type	Transfer
Record Updated	Nov 14, 2017
Title Company	PROVINCIAL TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$1,295.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3911 SUNSET LAKE DR LAKELAND FL 338102840, LAKELAND, FL 33810-2840

Tax Assessment & Valuation

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	$9,431.00 (+6.07%) Homeowner's exemption	$670,200 (+5.99%)	$1,035,500 (+1.86%) Land $260,000 Building $775,500
2023	$8,891.00 (+3.44%) Homeowner's exemption	$632,342 (+3%)	$1,016,600 (+33.6%) Land $260,000 Building $756,600
2022	$8,595.00 Homeowner's exemption	$613,925	$760,900 Land $165,000 Building $595,900

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 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 Record 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

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

Wildfire Risk	High above 70% of the US · above 52% of Florida
Wildfire Likelihood	0.2% 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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