Osceola County property record for 1640 Canopy Oaks Ct, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,843 sqft · built 2023 |
| Lot Size | 0.52 acres (22,651 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $310,000 (Mar 2022) |
| Tax Bill | $13,909 (2025) |
| Deeds & Mortgages | Jun 2022 Construction Loan Mar 2022 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 17-25-31-3164-0001-0290 |
| Primary APN | 17-25-31-3164-0001-0290 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 3,843 sqft Living Area |
| Gross Area | 6,221 sqft |
| 1st Floor Area | 2,122 sqft |
| Flooring | Carpet |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Tile |
| Lot Area | 22,651 sqft (0.52 acres) |
| Garage Type | Attached |
| Garage Area | 1,026 sqft |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 36 sqft |
| Porch | Slab |
| Deck Area | 933 sqft |
| Heating System | Central |
|---|
| Street Address | 1640 CANOPY OAKS CT |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8885 |
| 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 29 |
| 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 | 290 |
| Legal Lot Number | 29 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43600 |
Source: Osceola County records, as of July 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 | 1640 CANOPY OAKS CT, SAINT CLOUD, FL 34771-8885 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 24, 2022 | Deed of Trust, Mortgage · Construction Mortgage CENTENNIAL BANK |
| Mar 25, 2022 | Special Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 25, 2022 · Amount on Record |
| Deed Sale | Mar 25, 2022 · Amount on Record |
| Prior Sale | Jul 3, 2007 · Amount on Record |
| Deed Document Number | 202248061 |
| Deed Book / Page | 6179 / 2984 |
| Prior Transfer Date | Aug 30, 2010 |
| Prior Transfer Doc | 0043670779 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1640 CANOPY OAKS CT, SAINT CLOUD, FL 34771-8885 |
| Transaction Type | Mortgage |
| Record Updated | Jul 7, 2022 |
| Name | Verified Name |
|---|---|
| Address | 513 ARTHUR DR, CHERRY HILL, NJ 08003-3005 |
| Document Number | 0062391796 |
|---|---|
| Date | Jun 24, 2022 |
| Book Page | 6239/1796 |
| Instrument | 2022098910 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72033 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Jul 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Type Change Date | Jul 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 6% |
| Index | 1-Year CMT |
| Max Rate | 10% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 25, 2022 |
| Property Address | 1640 CANOPY OAKS CT, SAINT CLOUD, FL 34771-8885 |
| Document Number | 0061792984 |
| Book / Page | 6179 / 2984 |
| Map Reference | MB 20 PG 64 |
| Instrument Date | Mar 17, 2022 |
| Instrument | 2022048061 |
| Transaction Type | Transfer |
| Record Updated | Apr 7, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,170.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 505 ISLAND WALK W, 505, MOUNT PLEASANT, SC 29464-7832 |
| Name | Verified Name |
|---|---|
| Address | 513 ARTHUR DR, CHERRY HILL, NJ 08003-3005 |
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 | $13,909.00 (+0.9%) Homeowner's exemption | $993,400 (+282.08%) Land $260,000 Building $733,400 | $993,400 (+282.08%) Land $260,000 Building $733,400 |
| 2024 | $13,785.00 (+279.75%) | ||
| 2023 | $3,630.00 (+65.83%) | $260,000 (+57.58%) Land $260,000 | $260,000 (+57.58%) Land $260,000 |
| 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.
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 72% of the US · above 56% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% 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.
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 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Spectrum Cable | 1,000 / 35 |
May also be available: CenturyLink.
5G (outdoors only) and 4G LTE
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