2206 Summer Raye Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2206 Summer Raye Ct, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,996 sqft · built 2002
Lot Size	0.207 acres (9,017 sqft)
Owner	Individual Name on File
Last Sale	$247,000 (Oct 2016)
Tax Bill	$4 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Jun 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`127814`

Property Details

APN / Parcel Number

Primary APN	`127814`
Alternative APNs	`222630074500012410` `222630518100012410`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,996 sqft Heated Area
Gross Area	2,789 sqft
1st Floor Area	1,996 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2007
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	483 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	54 sqft
Porch	Open Porch
Porch Area	310 sqft
Deck Area	542 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	127814
Old Parcel Number	222630518100012410
Street Address	2206 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 241
Legal Range	30E
Legal Township	26S
Legal Section	22
Legal Subdivision	SWEETWATER CREEK
Legal Tract	745
Legal Block	1
Legal Lot Number	241
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 127814

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	2206 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8587
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 08, 2026	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Jun 26, 2017	Deed of Trust, Mortgage · VA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Nov 20, 2019	Deed of Trust, Mortgage · VA Mortgage MOVEMENT MORTGAGE
Aug 17, 2020	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW COMMUNITY CAPITAL LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 26, 2016 · Amount on Record
Deed Sale	Oct 26, 2016 · Amount on Record
Prior Sale	Jul 05, 2016 · Amount on Record
Deed Document Number	2016160698
Deed Book / Page	5045 / 2137
Record Updated	Jun 08, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2206 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8587
Transaction Type	Mortgage
Record Updated	Jan 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2206 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8587

Mortgage

Document Number	0069051323
Date	Jan 08, 2026
Book Page	6905/1323
Instrument	2026003090

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Feb 01, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2206 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8587
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	FIRST FLORISA TITLE & TRUST

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051692790
Date	Jun 26, 2017
Book Page	5169/2790
Instrument	2017092939

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2047

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2206 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8587
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056261594
Date	Nov 20, 2019
Book Page	5626/1594
Instrument	2019150867

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2049

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2206 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8587
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057752349
Date	Aug 17, 2020
Book Page	5775/2349
Instrument	2020108267

Lender

Name	LAKEVIEW COMMUNITY CAPITAL LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2050

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	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$237,823 (+5.99%)	$367,200 (+1.24%) Land $70,000 Building $297,200
2023	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$224,390 (+3%)	$362,700 (+17.57%) Land $60,000 Building $302,700
2022	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$217,855	$308,500 Land $55,000 Building $253,500

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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