Osceola County property record for 2204 Summer Raye Ct, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,793 sqft · built 2003 |
| Lot Size | 0.207 acres (9,017 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,767 (2025) |
| Deeds & Mortgages | Aug 2017 Mortgage Feb 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 127815 |
| Primary APN | 127815 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,793 sqft Heated Area |
| Gross Area | 2,581 sqft |
| 1st Floor Area | 1,793 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,017 sqft (0.207 acres) |
| Lot Dimensions | 120 ft deep x 75 ft wide |
| Garage Type | Finished |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 347 sqft |
| Patio Area | 225 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 127815 |
|---|---|
| Old Parcel Number | 222630518100012420 |
| Street Address | 2204 SUMMER RAYE CT |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8587 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SWEETWATER CREEK UNIT 5 PB 13 PG 26 LOT 242 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 22 |
| Legal Subdivision | SWEETWATER CREEK |
| Legal Tract | 745 |
| Legal Block | 1 |
| Legal Lot Number | 242 |
| Legal Unit | 5P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 43207 |
Source: Osceola County records · APN 127815
Assessment roll updated July 1, 2025 · Last verified December 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 File |
|---|---|
| Mailing Address | 2204 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8587 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 03, 2017 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Feb 10, 2017 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 15, 2020 |
| Deed Sale | Aug 15, 2020 |
| Deed Book / Page | 02158 / 00231 |
| Prior Transfer Date | Dec 10, 2002 |
| Prior Transfer Doc | 0215800231 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2204 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8587 |
| Document Number | 0051950799 |
| Book / Page | 005195 / 000799 |
| Instrument Date | Aug 03, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2017 |
| Title Company | CLOSING USA LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2204 SUMMER RAYE CT ST CLOUD FL 347728587, ST CLOUD, FL 34772-8587 |
| Document Number | 0051950799 |
|---|---|
| Date | Aug 16, 2017 |
| Book Page | 005195/000799 |
| Instrument | 118592 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 15, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2204 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8587 |
| Document Number | 0051050386 |
| Book / Page | 005105 / 000386 |
| Instrument Date | Feb 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 04, 2017 |
| Title Company | CLOSING USA LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2204 SUMMER RAYE CT ST CLOUD FL 347728587, ST CLOUD, FL 34772-8587 |
| Document Number | 0051050386 |
|---|---|
| Date | Feb 20, 2017 |
| Book Page | 005105/000386 |
| Instrument | 27780 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 19, 2032 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $1,767.00 (+7.29%) Homeowner's exemption | $141,612 (+5.99%) | $322,100 (+0.97%) Land $70,000 Building $252,100 |
| 2023 | $1,647.00 (+4.37%) Homeowner's exemption | $133,613 (+3%) | $319,000 (+18.19%) Land $60,000 Building $259,000 |
| 2022 | $1,578.00 Homeowner's exemption | $129,722 | $269,900 Land $55,000 Building $214,900 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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; lenders make the official flood determination.
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