1580 Canopy Oaks Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1580 Canopy Oaks Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 4,746 sqft · built 2024
Lot Size	0.53 acres (23,087 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (Feb 2021)
Tax Bill	$17,234 (2025)
Deeds & Mortgages	May 2024 Mortgage Feb 2021 Sale + 2 more
Flood Zone	Zone AE (high risk)
APN	`157601`

Property Details

APN / Parcel Number

Primary APN	`157601`
Alternative APN	`172531316400010260`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,746 sqft Heated Area
Gross Area	6,147 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	23,087 sqft (0.53 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Finished
Pool Area	35 sqft
Porch	Finished/Screened Porch
Deck Area	135 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	157601
Street Address	1580 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 26
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	26
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1580 CANOPY OAKS CT, SAINT CLOUD, FL 34771-8884
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 29, 2024	Deed of Trust, Mortgage · Conventional Mortgage LUMINATE HOME LOANS INC
Feb 10, 2021	Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC
Jul 1, 2019	Warranty Deed, Transfer · Conventional with PMI MIDFLORIDA CU ISAOA
Jun 12, 2018	Warranty Deed, Transfer · Line of Credit IBERIABANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 10, 2021 · Amount on Record
Deed Sale	Feb 10, 2021 · Amount on Record
Prior Sale	Jul 1, 2019 · Amount on Record
Deed Document Number	2021019718
Deed Book / Page	5888 / 2890
Record Updated	Jun 8, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1580 CANOPY OAKS CT, SAINT CLOUD, FL 34771-8884
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4830 STONE ACRES CIR, SAINT CLOUD, FL 34771-8863

Mortgage

Document Number	0066080467
Date	May 29, 2024
Book Page	6608/467
Instrument	2024070846

Lender

Name	LUMINATE HOME LOANS INC
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55405

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2054

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 10, 2021
Property Address	1580 CANOPY OAKS CT, SAINT CLOUD, FL 34771-8884
Document Number	0058882890
Book / Page	5888 / 2890
Map Reference	MB 20 PG 64
Instrument Date	Feb 9, 2021
Instrument	2021019718
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Tax	$1,995.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11807 PADUA LN, ORLANDO, FL 32827-7177

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 1, 2019
Property Address	1580 CANOPY OAKS CT, SAINT CLOUD, FL 34771-8884
Document Number	0055500092
Book / Page	005550 / 000092
Instrument Date	Jun 28, 2019
Instrument	84738
Transaction Type	Transfer
Record Updated	Jul 12, 2019
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11851 JAMES BAY DR ORLANDO FL 328277125, ORLANDO, FL 32827-7125

Mortgage

Document Number	55500098
Date	Jul 1, 2019
Book Page	005550/000098
Instrument	84741

Lender

Name	MIDFLORIDA CU ISAOA
Type	Credit Union
Address	LAKELAND, FL 33802-8008

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	60 Months
Due	Jun 30, 2024

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 12, 2018
Property Address	1580 CANOPY OAKS CT, SAINT CLOUD, FL 34771-8884
Document Number	0053482103
Book / Page	005348 / 002103
Instrument Date	Jun 7, 2018
Instrument	90407
Transaction Type	Transfer
Record Updated	Jul 10, 2018
Title Company	TITLE TEAM LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	835 GROVESMERE LOOP OCOEE FL 347615624, OCOEE, FL 34761-5624

Mortgage

Document Number	53482104
Date	Jun 12, 2018
Book Page	005348/002104
Instrument	90408

Lender

Name	IBERIABANK
Type	Bank
Address	ORLANDO, FL 32806

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jun 11, 2019

Interest

Rate Type	Adjustable Rate

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	$17,234.00 (+481.05%)	$1,192,500 (+358.65%) Land $260,000 Building $932,500	$1,192,500 (+358.65%) Land $260,000 Building $932,500
2023	$2,966.00 (+28.62%)	$260,000 (+57.58%) Land $260,000	$260,000 (+57.58%) Land $260,000
2022	$2,306.00	$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

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	Moderate above 64% of the US · above 40% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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