2205 Summer Raye Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2205 Summer Raye Ct, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,540 sqft · built 2003
Lot Size	0.233 acres (10,193 sqft)
Owner	Individual Name on File
Last Sale	$355,000 (Oct 2023)
Tax Bill	$5,260 (2025)
Deeds & Mortgages	Oct 2023 Sale Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`127820`

Property Details

APN / Parcel Number

Primary APN	`127820`
Alternative APNs	`222630074500012470` `222630518100012470`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,540 sqft Heated Area
Gross Area	2,218 sqft
1st Floor Area	1,540 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,193 sqft (0.233 acres)
Lot Dimensions	115 ft deep x 82 ft wide
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	258 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	127820
Old Parcel Number	222630518100012470
Street Address	2205 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 247
Legal Range	30E
Legal Township	26S
Legal Section	22
Legal Subdivision	SWEETWATER CREEK
Legal Tract	745
Legal Block	1
Legal Lot Number	247
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 127820

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
Co-owner	Verified Secondary Owner
Mailing Address	2205 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8588
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2023	Warranty Deed, Transfer NEW BEGINNINGS TITLE CO LLC
Mar 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage FILO MORTGAGE LLC
Oct 13, 2020	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 02, 2018	Warranty Deed, Transfer · FHA Mortgage HAMILTON GROUP FUNDING INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 26, 2023 · Amount on Record
Deed Sale	Oct 26, 2023 · Amount on Record
Prior Sale	Nov 02, 2018 · Amount on Record
Deed Document Number	2023141484
Deed Book / Page	6496 / 400
Record Updated	Jun 08, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 26, 2023
Property Address	2205 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8588
Document Number	0064960400
Book / Page	6496 / 400
Map Reference	MB 13 PG 26
Instrument Date	Oct 20, 2023
Instrument	2023141484
Transaction Type	Transfer
Record Updated	Nov 17, 2023
Title Company	NEW BEGINNINGS TITLE CO LLC

Transaction

Amount	Amount Recorded
Tax	$2,485.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1015 GREEN PINE BLVD # BLVDA2, BLVDA2, WEST PALM BCH, FL 33409-7045

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1015 GREEN PINE BLVD, WEST PALM BCH, FL 33409-7045

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2205 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8588
Transaction Type	Mortgage
Record Updated	Apr 05, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2205 SUMMER RAVE COURT, SAINT CLOUD, FL 34772-8588

Mortgage

Document Number	0061772030
Date	Mar 23, 2022
Book Page	6177/2030
Instrument	2022045961

Lender

Name	FILO MORTGAGE LLC
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2052

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2205 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8588
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2205 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8588

Mortgage

Document Number	0058120068
Date	Oct 13, 2020
Book Page	5812/68
Instrument	2020138252

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	338 Months
Due	Dec 01, 2048

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 02, 2018
Property Address	2205 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8588
Document Number	0054282003
Book / Page	5428 / 2003
Map Reference	MB13 PG26
Instrument Date	Nov 02, 2018
Instrument	2018164098
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	A CLESR CHOICE TITLE & ESCRO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	330 NINE MILE POINT RD, 330, OSWEGO, NY 13126-6209

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2205 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8588

Mortgage

Document Number	2018164099
Date	Nov 02, 2018
Instrument	2018164099

Lender

Name	HAMILTON GROUP FUNDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2048

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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	$5,260.00 (+97.67%)	$293,700 (+54.64%) Land $70,000 Building $223,700	$293,700 (+1.31%) Land $70,000 Building $223,700
2023	$2,661.00 (+3.82%) Homeowner's exemption	$189,923 (+3%)	$289,900 (+17.94%) Land $60,000 Building $229,900
2022	$2,563.00 Homeowner's exemption	$184,392	$245,800 Land $55,000 Building $190,800

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
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

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