1560 Canopy Oaks Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1560 Canopy Oaks Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	7 bd · 7 ba · 5,803 sqft · built 2022
Lot Size	0.54 acres (23,522 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Apr 2018)
Tax Bill	$16,181 (2025)
Deeds & Mortgages	Oct 2025 Second Mortgage Mar 2021 Construction Loan + 1 more
Flood Zone	Zone AE (high risk)
APN	`17-25-31-3164-0001-0250`

Property Details

APN / Parcel Number

Primary APN	`17-25-31-3164-0001-0250`
Alternative APNs	`253117316400010250` `157600`

Interior

Bedrooms	7 Beds
Full Baths	7 Baths
Stories	2 Stories
Building Area	5,803 sqft Living Area
Gross Area	7,534 sqft
1st Floor Area	2,976 sqft
Flooring	Tile

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Conventional
Exterior Material	Concrete Block/Stucco
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	23,522 sqft (0.54 acres)
Garage Type	Attached
Garage Area	678 sqft

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	38 sqft
Porch	Slab
Deck Area	679 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	1560 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 25
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	250
Legal Lot Number	25
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43600

Owner

1560 Canopy Oaks Ct is owned and occupied by two individuals who bought it in April 2018.

Source: Osceola County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1560 CANOPY OAKS CT, SAINT CLOUD, FL 34771-8884
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 17, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CENTENNIAL BANK
Mar 1, 2021	Deed of Trust, Mortgage · Construction Mortgage CENTINELA BANK
Apr 2, 2018	Warranty Deed, Transfer · ARM SEACOAST NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2018 · Amount on File
Deed Sale	Apr 2, 2018 · Amount on File
Prior Sale	Oct 16, 2007 · Amount on File
Deed Document Number	201850696
Deed Book / Page	5309 / 887
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1560 CANOPY OAKS CT, SAINT CLOUD, FL 34771-8884
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1560 CANOPY OAKS CT, SAINT CLOUD, FL 34771-8884

Mortgage

Document Number	0068670186
Date	Oct 17, 2025
Book Page	6867/186
Instrument	2025129494

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1560 CANOPY OAKS CT, SAINT CLOUD, FL 34771-8884
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5241 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849

Mortgage

Document Number	0059010469
Date	Mar 1, 2021
Book Page	5901/469
Instrument	2021029717

Lender

Name	CENTINELA BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	372 Months
Due	Mar 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Mar 1, 2027
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6.12%
Index	1-Year CMT
Max Rate	10.1%

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 2, 2018
Property Address	1560 CANOPY OAKS CT, SAINT CLOUD, FL 34771-8884
Document Number	0053090887
Book / Page	5309 / 0887
Map Reference	MB20 PG64-68
Instrument Date	Mar 26, 2018
Instrument	2018050696
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	NORTH AMERICAN TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,295.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6206 SPENCER AVE, 6206, BRONX, NY 10471-1113

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1560 CANOPY OAKS CT, SAINT CLOUD, FL 34771-8884

Mortgage

Document Number	2018050697
Date	Apr 2, 2018
Instrument	2018050697

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2033

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Apr 1, 2023
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	6.62%
Index	1-Year CMT
Max Rate	9.62%

Tax Assessment & Valuation

The 2025 property tax bill for 1560 Canopy Oaks Ct was $16,181 with a homeowner's exemption.

Source: Osceola County assessment roll, as of November 26, 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	$16,181.00 Homeowner's exemption	$1,157,365	$1,215,500 Land $260,000 Building $955,500
2023	$15,310.00 (+599.41%) Homeowner's exemption	$1,091,989 (+561.81%)	$1,192,200 (+622.55%) Land $260,000 Building $932,200
2022	$2,189.00	$165,000 Land $165,000	$165,000 Land $165,000

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

Flood

FEMA maps place 1560 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 1560 Canopy Oaks Ct is high, ranking above 70% of the US, with a 0.2% annual chance of 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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