Osceola County property record for 2212 Summer Raye Ct, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,058 sqft · built 2003 |
| Lot Size | 0.207 acres (9,017 sqft) |
| Owner | Individual Name on File |
| Last Sale | $340,000 (Sep 2021) |
| Tax Bill | $4,780 (2025) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage Jul 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 127811 |
| Primary APN | 127811 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,058 sqft Heated Area |
| Gross Area | 2,745 sqft |
| 1st Floor Area | 2,058 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 |
| Pool Area | 392 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 246 sqft |
| Deck Area | 696 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 127811 |
|---|---|
| Old Parcel Number | 222630518100012380 |
| Street Address | 2212 SUMMER RAYE CT |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8587 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1B |
| Legal Description | SWEETWATER CREEK UNIT 5 PB 13 PG 26 LOT 238 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 22 |
| Legal Subdivision | SWEETWATER CREEK |
| Legal Tract | 745 |
| Legal Block | 1 |
| Legal Lot Number | 238 |
| 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 127811
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 | 2212 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8587 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 09, 2021 | Warranty Deed, Transfer · FHA Mortgage THE MORTGAGE FIRM INC |
| Jul 24, 2020 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 09, 2021 · Amount on Record |
| Deed Sale | Sep 09, 2021 · Amount on Record |
| Prior Sale | Aug 08, 2005 · Amount on Record |
| Deed Document Number | 2021140328 |
| Deed Book / Page | 6040 / 1331 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 09, 2021 |
| Property Address | 2212 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8587 |
| Document Number | 0060401331 |
| Book / Page | 6040 / 1331 |
| Map Reference | MB 13 PG 26 |
| Instrument Date | Aug 30, 2021 |
| Instrument | 2021140328 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2021 |
| Title Company | CORE TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,380.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 402 KINGSBRIDGE CT, 402, GREENSBORO, NC 27455 |
| Name | Verified Name |
|---|---|
| Address | 2212 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8587 |
| Document Number | 60401333 |
|---|---|
| Date | Sep 09, 2021 |
| Instrument | 6040/1333 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2212 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8587 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0057610175 |
|---|---|
| Date | Jul 24, 2020 |
| Book Page | 5761/175 |
| Instrument | 2020096724 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $4,780.00 (+6.06%) Homeowner's exemption | $309,948 (+5.99%) | $357,900 (+1.22%) Land $70,000 Building $287,900 |
| 2023 | $4,507.00 (+3.44%) Homeowner's exemption | $292,440 (+3%) | $353,600 (+17.51%) Land $60,000 Building $293,600 |
| 2022 | $4,357.00 Homeowner's exemption | $283,923 | $300,900 Land $55,000 Building $245,900 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 34 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 34 in force |
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Lumen Technologies DSL | 140 / 20 |
May also be available: Verizon, Xfinity.
Based on FCC filings for 402 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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