Osceola County property record for 1520 Canopy Oaks Ct, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,591 sqft · built 2013 |
| Lot Size | 0.56 acres (24,393 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $90,000 (Nov 2011) |
| Tax Bill | $8,026 (2025) |
| Deeds & Mortgages | Nov 2025 Line of Credit Jan 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 17-25-31-3164-0001-0230 |
| Primary APN | 17-25-31-3164-0001-0230 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,591 sqft Living Area |
| Gross Area | 5,243 sqft |
| 1st Floor Area | 2,653 sqft |
| Upper Floors Area | 938 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 24,393 sqft (0.56 acres) |
| Garage Type | Attached |
| Garage Area | 690 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 25 sqft |
| Porch | Florida Room |
| Porch Area | 962 sqft |
| Deck Area | 288 sqft |
| Boat House | 288 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1520 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 23 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 17 |
| Legal Subdivision | EAST LAKE PARK PHS 3-5 |
| Legal Phase | 3-5 |
| Legal Tract | 3164 |
| Legal Block | 230 |
| Legal Lot Number | 23 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43600 |
Source: Osceola County records, as of August 13, 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 Record |
|---|---|
| Mailing Address | 1520 CANOPY OAKS CT, SAINT CLOUD, FL 34771-8884 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 12, 2025 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK CENTRAL FLORIDA |
| Jan 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SEMPER HOME LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 23, 2011 · Amount on Record |
| Deed Sale | Nov 23, 2011 · Amount on Record |
| Prior Sale | Aug 29, 2007 · Amount on Record |
| Deed Document Number | 2011163336 |
| Deed Book / Page | 4202 / 731 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1520 CANOPY OAKS CT, SAINT CLOUD, FL 34771-8884 |
| Transaction Type | Mortgage |
| Record Updated | Nov 28, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1520 CANOPY OAKS CT, SAINT CLOUD, FL 34771-8884 |
| Document Number | 0068790914 |
|---|---|
| Date | Nov 12, 2025 |
| Book Page | 6879/914 |
| Instrument | 2025139682 |
| Name | FIFTH THIRD BANK CENTRAL FLORIDA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Oct 25, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1520 CANOPY OAKS CT, SAINT CLOUD, FL 34771-8884 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1520 CANOPY OAKS CT, SAINT CLOUD, FL 34771-8884 |
| Document Number | 0058800807 |
|---|---|
| Date | Jan 29, 2021 |
| Book Page | 5880/807 |
| Instrument | 2021013253 |
| Name | SEMPER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | PROVIDENCE, RI 02907 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,026.00 (+6.25%) Homeowner's exemption | $568,741 (+5.99%) | $943,200 (+1.47%) Land $260,000 Building $683,200 |
| 2023 | $7,554.00 (+3.54%) Homeowner's exemption | $536,615 (+3%) | $929,500 (+33.45%) Land $260,000 Building $669,500 |
| 2022 | $7,296.00 Homeowner's exemption | $520,986 | $696,500 Land $165,000 Building $531,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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: 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.
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 |
| 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.
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.
5G (outdoors only) and 4G LTE
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