1685 Groveline Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1685 Groveline Rd, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,258 sqft · built 2024
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$483,300 (Apr 2024)
Tax Bill	$6,608 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Mar 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-26-31-3522-0001-0160`

Property Details

APN / Parcel Number

Primary APN	`03-26-31-3522-0001-0160`
Alternative APN	`263103352200010160`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,258 sqft Living Area
Gross Area	2,961 sqft
1st Floor Area	2,258 sqft
Flooring	Tile

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	481 sqft
Porch	Finished/Open Porch
Porch Area	222 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	1685 GROVELINE RD
City	SAINT CLOUD
State	FL
Zip	34771-8335
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AMELIA GROVES PH 1 PB 32 PGS 9-14 LOT 16
Legal Subdivision	AMELIA GROVES PHASE 1
Legal Lot Number	16
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2006
Census Tract	43700

Owner

Source: Osceola County records, as of May 8, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1685 GROVELINE RD, SAINT CLOUD, FL 34771-8335
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT
Mar 28, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 30, 2024	Warranty Deed, Subdivision Related Transfer · FHA Mortgage PULTE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2024 · Amount on Record
Deed Sale	Apr 30, 2024 · Amount on Record
Deed Document Number	202456046
Deed Book / Page	6591 / 1958
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Apr 30, 2026
Property Address	1685 GROVELINE RD, SAINT CLOUD, FL 34771-8335
Document Number	0000056925
Book / Page	6963 / 2097
Instrument Date	Mar 31, 2026
Instrument	202656925
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1685 GROVELINE RD, SAINT CLOUD, FL 34771-8335

Mortgage

Document Number	0000056925,
Date	Apr 30, 2026
Book Page	6963/2097
Instrument	202656925

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6%
Max Rate	-1%

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1685 GROVELINE RD, SAINT CLOUD, FL 34771-8335
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1685 GROVELINE RD, SAINT CLOUD, FL 34771-8335

Mortgage

Document Number	0067611233
Date	Mar 28, 2025
Book Page	6761/1233
Instrument	2025038848

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	350 Months
Due	May 1, 2054

April 2024: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 30, 2024
Property Address	1685 GROVELINE RD, SAINT CLOUD, FL 34771-8335
Document Number	0065911958
Book / Page	6591 / 1958
Map Reference	MB 32 PG 9-14
Instrument Date	Apr 25, 2024
Instrument	2024056046
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,383.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4901 VINELAND ROAD STE 500, 500, ORLANDO, FL 32811-7383

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1685 GROVELINE RD, SAINT CLOUD, FL 34771-8335

Mortgage

Document Number	2024056047
Date	Apr 30, 2024
Instrument	2024056047

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,608.00 (+743.93%)	$412,100 (+586.83%) Land $80,000 Building $332,100	$412,100 (+586.83%) Land $80,000 Building $332,100
2024	$783.00 (+39.32%)
2023	$562.00 (+61.03%)	$60,000 (+14%) Land $60,000	$60,000 (+14%) Land $60,000
2022	$349.00	$25,000 Land $25,000	$25,000 Land $25,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AH, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 79 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	79 in force
Nearby Flood Claims	5 (1994–2017)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Sep 2017 · Hurricane Irma

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	High above 71% of the US · above 54% of Florida
Wildfire Likelihood	0.4% 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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 96 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000

May also be available: CenturyLink.

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