2203 Summer Raye Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2203 Summer Raye Ct, Saint Cloud, FL 34772 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,571 sqft · built 2002
Lot Size	0.231 acres (10,062 sqft)
Owner	Individual Name on File
Last Sale	$305,000 (Jun 2026)
Tax Bill	$5,153 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage May 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-26-30-0745-0001-2460`

Property Details

APN / Parcel Number

Primary APN	`22-26-30-0745-0001-2460`
Alternative APNs	`263022074500012460` `127819`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,571 sqft Living Area
Gross Area	2,050 sqft
1st Floor Area	1,571 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,062 sqft (0.231 acres)
Lot Dimensions	136 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	38 sqft
Patio Area	510 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2203 SUMMER RAYE CT
City	SAINT CLOUD
State	FL
Zip	34772-8588
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SWEETWATER CREEK UNIT 5 PB 13 PG 26 LOT 246
Legal Range	30E
Legal Township	26S
Legal Section	22
Legal Subdivision	SWEETWATER CREEK UNIT 5
Legal Tract	745
Legal Block	2460
Legal Lot Number	246
Legal Unit	5P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1003
Census Tract	43207

Owner

Source: Osceola County records · APN 22-26-30-0745-0001-2460

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	Individual Name on File
Mailing Address	2203 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8588
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2026	Special Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 15, 2019	Warranty Deed, Transfer STEWART TITLE
Mar 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage IRA #8006970

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 24, 2026 · Amount on Record
Deed Sale	Jun 24, 2026 · Amount on Record
Prior Sale	May 15, 2019 · Amount on Record
Deed Document Number	202682674
Deed Book / Page	6992 / 2131
Record Updated	Sep 20, 2026

June 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 24, 2026
Property Address	2203 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8588
Document Number	0000082674
Book / Page	6992 / 2131
Instrument Date	Jun 16, 2026
Instrument	202682674
Transaction Type	Transfer
Record Updated	Jul 07, 2026
Title Company	MAINSTAY TITLE, MAINSTAY NATIONAL TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$215,635.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2203 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8588

Mortgage

Document Number	0000082675,
Date	Jun 24, 2026
Book Page	6992/2134
Instrument	202682675

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 15, 2019
Property Address	2203 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8588
Document Number	0055240001
Book / Page	005524 / 000001
Instrument Date	May 13, 2019
Instrument	62434
Transaction Type	Transfer
Record Updated	May 29, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$1,540.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	1717 MAIN ST #2000 DALLAS TX 752014657, 2000, DALLAS, TX 75201-4657
Investor	Possibly a Property Investor

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2203 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8588
Document Number	0053102756
Instrument Date	Mar 21, 2018
Transaction Type	Mortgage
Record Updated	Apr 19, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2203 SUMMER RAYE CT ST CLOUD FL 347728588, ST CLOUD, FL 34772-8588

Mortgage

Document Number	0053102756
Date	Apr 03, 2018
Book Page	005310/002756
Instrument	52451

Lender

Name	IRA #8006970
Address	13191 STARKEY RD # 2, LARGO, FL 33773-1438

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 02, 2048

Interest

Rate	12%

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	$5,153.00 (+5.94%)	$294,600 (+1.31%) Land $70,000 Building $224,600	$294,600 (+1.31%) Land $70,000 Building $224,600
2024	$4,864.00 (+6.97%)
2023	$4,547.00 (+12.58%)	$290,800 (+17.92%) Land $60,000 Building $230,800	$290,800 (+17.92%) Land $60,000 Building $230,800
2022	$4,039.00	$246,600 Land $55,000 Building $191,600	$246,600 Land $55,000 Building $191,600

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 120970432071, 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 X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Cost	Premium on Record median of 34 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	34 in force

Wildfire

Wildfire Risk	Low above 35% of the US · above 10% of Florida
Wildfire Likelihood	About 1 in 1,852 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 402 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
Lumen Technologies	DSL	140 / 20

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

Mobile Coverage

5G and 4G LTE

Nearby Properties on Summer Raye Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures