1622 Christa Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1622 Christa Ct, Saint Cloud, FL 34772 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,875 sqft · built 1994
Lot Size	0.267 acres (11,630 sqft)
Owner	2 Individual Names on File
Tax Bill	$4 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jan 2022 Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`23-26-30-0573-0001-0600`

Property Details

APN / Parcel Number

Primary APN	`23-26-30-0573-0001-0600`
Alternative APNs	`263023057300010600` `87583`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,875 sqft Living Area
Gross Area	2,760 sqft
1st Floor Area	1,875 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,630 sqft (0.267 acres)
Lot Dimensions	120 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed/Finished Porch
Porch Area	402 sqft
Deck Area	512 sqft
Patio Area	420 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1622 CHRISTA CT
City	SAINT CLOUD
State	FL
Zip	34772-9149
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CANOE CREEK WOODS UNIT 11 PB 7 PGS 144-145 LOT 60
Legal Range	30E
Legal Township	26S
Legal Section	23
Legal Subdivision	CANOE CREEK WOODS UNIT 11
Legal Tract	573
Legal Block	600
Legal Lot Number	60
Legal Unit	11
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1020
Census Tract	43303

Owner

Source: Osceola County records · APN 23-26-30-0573-0001-0600

Assessment roll updated November 26, 2025 · Last verified July 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 File
Mailing Address	1622 CHRISTA CT, SAINT CLOUD, FL 34772-9149
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jul 06, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Jan 26, 2022	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 21, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Apr 15, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Apr 21, 2026	Quit Claim Deed, Transfer · VA Mortgage UNITED TRUST BANK
Apr 21, 2026	Quit Claim Deed, Transfer · VA Mortgage UNITED TRUST BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 21, 2026
Deed Sale	Apr 21, 2026
Prior Sale	Jul 25, 2007 · Amount on Record
Deed Document Number	202652326
Deed Book / Page	6958 / 1563
Prior Transfer Date	Apr 14, 2026
Prior Transfer Doc	0069581563
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1622 CHRISTA CT, SAINT CLOUD, FL 34772-9149
Transaction Type	Mortgage
Record Updated	May 01, 2026
Title Company	VANTAGE POINT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1622 CHRISTA CT, SAINT CLOUD, FL 34772-9149

Mortgage

Document Number	0059951406
Date	Jul 06, 2021
Book Page	5995/1406
Instrument	2021104245

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	May 01, 2051

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1622 CHRISTA CT, SAINT CLOUD, FL 34772-9149
Transaction Type	Mortgage
Record Updated	May 01, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1622 CHRISTA CT, SAINT CLOUD, FL 34772-9149

Mortgage

Document Number	0061371277
Date	Jan 26, 2022
Book Page	6137/1277
Instrument	2022014157

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2052

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1622 CHRISTA CT, SAINT CLOUD, FL 34772-9149
Transaction Type	Mortgage
Record Updated	May 01, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1622 CHRISTA CT, SAINT CLOUD, FL 34772-9149

Mortgage

Document Number	0063180029
Date	Nov 21, 2022
Book Page	6318/29
Instrument	2022168495

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 01, 2042

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1622 CHRISTA CT, SAINT CLOUD, FL 34772-9149
Transaction Type	Mortgage
Record Updated	May 01, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1622 CHRISTA CT, SAINT CLOUD, FL 34772-9149

Mortgage

Document Number	0065821090
Date	Apr 15, 2024
Book Page	6582/1090
Instrument	2024047800

Lender

Name	DISCOVER BANK
Type	Bank
Address	502 E MARKET ST, GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 08, 2044

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 21, 2026
Property Address	1622 CHRISTA CT, SAINT CLOUD, FL 34772-9149
Document Number	0000052326
Book / Page	6958 / 1563
Instrument Date	Apr 14, 2026
Instrument	2026.52326
Transaction Type	Transfer
Record Updated	May 01, 2026
Title Company	ORANGE COAST LENDER SERVICES LLC, ORANGE COAST LENDER SERVICES

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	1622 CHRISTA CT, SAINT CLOUD, FL 34772-9149

Mortgage

Document Number	0000052327,
Date	Apr 21, 2026
Book Page	6958/1565
Instrument	2026.52327

Lender

Name	UNITED TRUST BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 21, 2026
Property Address	1622 CHRISTA CT, SAINT CLOUD, FL 34772-9149
Document Number	0069581563
Book / Page	6958 / 1563
Instrument Date	Apr 14, 2026
Instrument	202652326
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	ORANGE COAST LENDER SERVICES LLC, ORANGE COAST LENDER SERVICES

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	1622 CHRISTA CT, SAINT CLOUD, FL 34772-9149

Mortgage

Document Number	0000052327,
Date	Apr 21, 2026
Book Page	6958/1565
Instrument	202652327

Lender

Name	UNITED TRUST BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4.00	$120,702 (+5.99%)	$328,700 (+0.4%) Land $70,000 Building $258,700
2024	$4.00
2023	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$113,885 (+3%)	$327,400 (+18.45%) Land $60,000 Building $267,400
2022	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$110,568	$276,400 Land $55,000 Building $221,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 133 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	133 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017, river or lake flooding, Hurricane Irma

Wildfire

Wildfire Risk	Low above 35% of the US · above 10% of Florida
Wildfire Likelihood	About 1 in 3,125 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 257 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Lumen Technologies	DSL	140 / 20

May also be available at this address: Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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