Osceola County property record for 2208 Summer Raye Ct, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,112 sqft · built 2003 |
| Lot Size | 0.207 acres (9,017 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $297,000 (Apr 2019) |
| Tax Bill | $4,177 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage Apr 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 127813 |
| Primary APN | 127813 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,112 sqft Heated Area |
| Gross Area | 2,930 sqft |
| 1st Floor Area | 2,112 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Stone |
| 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 | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Pool Area | 36 sqft |
| Porch | Open Porch |
| Porch Area | 358 sqft |
| Deck Area | 696 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 127813 |
|---|---|
| Old Parcel Number | 222630518100012400 |
| Street Address | 2208 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 240 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 22 |
| Legal Subdivision | SWEETWATER CREEK |
| Legal Tract | 745 |
| Legal Block | 1 |
| Legal Lot Number | 240 |
| 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 127813
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 2208 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8587 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 10, 2020 | Deed of Trust, Mortgage · Conventional with PMI BANK OF ENGLAND |
| Apr 16, 2019 | Warranty Deed, Transfer · Conventional Mortgage BANK OF ENGLAND |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 16, 2019 · Amount on Record |
| Deed Sale | Apr 16, 2019 · Amount on Record |
| Prior Sale | Mar 14, 2003 · Amount on Record |
| Deed Document Number | 2019047770 |
| Deed Book / Page | 5507 / 2865 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2208 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8587 |
| Document Number | 0057090642 |
| Instrument Date | Apr 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2020 |
| Title Company | DOCPROBE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2208 SUMMER RAYE CT ST CLOUD FL 347728587, ST CLOUD, FL 34772-8587 |
| Document Number | 0057090642 |
|---|---|
| Date | Apr 16, 2020 |
| Book Page | 005709/000642 |
| Instrument | 52294 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72201 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 15, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 16, 2019 |
| Property Address | 2208 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8587 |
| Document Number | 0055072865 |
| Book / Page | 005507 / 002865 |
| Instrument Date | Mar 18, 2019 |
| Instrument | 47770 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2019 |
| Title Company | PUBLIC TITLE SERVICES LLC, PUBLIC TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,079.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2208 SUMMER RAYE CT ST CLOUD FL 347728587, ST CLOUD, FL 34772-8587 |
| Document Number | 55072868 |
|---|---|
| Date | Apr 16, 2019 |
| Book Page | 005507/002868 |
| Instrument | 47771 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 15, 2049 |
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 | $4,177.00 (+6.15%) Homeowner's exemption | $276,267 (+5.99%) | $370,500 (+0.93%) Land $70,000 Building $300,500 |
| 2023 | $3,935.00 (+3.53%) Homeowner's exemption | $260,663 (+3%) | $367,100 (+17.66%) Land $60,000 Building $307,100 |
| 2022 | $3,801.00 Homeowner's exemption | $253,071 | $312,000 Land $55,000 Building $257,000 |
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
| 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 32 of 34 on primary residences |
| 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.
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