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2220 Summer Raye Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2220 Summer Raye Ct, Saint Cloud, FL 34772 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,739 sqft · built 2003
Lot Size0.212 acres (9,234 sqft)
OwnerIndividual Name on File
Last Sale$100 (Jan 2017)
Tax Bill$3,245 (2025)
Deeds & MortgagesJun 2025 Mortgage
Apr 2026 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN22-26-30-0745-0001-2340

Property Details

APN / Parcel Number

Primary APN22-26-30-0745-0001-2340
Alternative APNs
  • 222630518100012340
  • 263022074500012340
  • 127807

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,739 sqft Living Area
Gross Area2,426 sqft
1st Floor Area1,739 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2003
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,234 sqft (0.212 acres)
Lot Dimensions124 ft deep x 75 ft wide
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area288 sqft
PorchFinished/Open Porch
Porch Area267 sqft
Deck Area460 sqft
Patio Area140 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address2220 SUMMER RAYE CT
CitySAINT CLOUD
StateFL
Zip34772-8587
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSWEETWATER CREEK UNIT 5 PB 13 PG 26 LOT 234
Legal Range30E
Legal Township26S
Legal Section22
Legal SubdivisionSWEETWATER CREEK UNIT 5
Legal Tract745
Legal Block2340
Legal Lot Number234
Legal Unit5P
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1003
Census Tract43207

Owner

Source: Osceola County records · APN 22-26-30-0745-0001-2340

Assessment roll updated November 26, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address2220 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8587
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 10, 2025Deed of Trust, Mortgage · Conventional Mortgage
FREEDOM MORTGAGE CORP
Apr 07, 2026Deed of Trust, Mortgage · Conventional Mortgage
FREEDOM MORTGAGE CORPORATION
Sep 30, 2020Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
Mar 08, 2017Intrafamily Transfer, Transfer · FHA Mortgage
FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJan 01, 2017 · Amount on Record
Deed SaleJan 01, 2017 · Amount on Record
Prior SaleApr 07, 2015 · Amount on Record
Deed Book / Page5114 / 914
Last Transfer DateJan 09, 2017
Transfer Doc0051140914
Record UpdatedSep 20, 2026

June 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2220 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8587
Transaction TypeMortgage
Record UpdatedJun 08, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address2220 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8587

Mortgage

Document Number0068020352
DateJun 10, 2025
Book Page6802/352
Instrument2025073006
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2055

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateApr 07, 2026
Property Address2220 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8587
Document Number0000046259
Book / Page6951 / 1606
Instrument DateApr 01, 2026
Instrument202646259
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyFREEDOM MORTGAGE

Transferred To (Grantee/Buyer)

NameVerified Name
Address2220 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8587

Mortgage

Document Number0000046259,
DateApr 07, 2026
Book Page6951/1606
Instrument202646259
Lender
NameFREEDOM MORTGAGE CORPORATION
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 01, 2055
Interest
Rate TypeFixed Rate
Rate6%
Initial TypeFixed Rate
Max Rate-1%

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2220 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8587
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0058030248
DateSep 30, 2020
Book Page5803/248
Instrument2020130860
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term299 Months
DueAug 01, 2045

March 2017: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateMar 08, 2017
Property Address2220 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8587
Document Number0051140914
Book / Page5114 / 0914
Map ReferenceMB13 PG26
Instrument DateJan 09, 2017
Instrument2017037089
Transaction TypeTransfer
Record UpdatedFeb 08, 2022

Transaction

Tax$0.70
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2220 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8587

Mortgage

Document Number0051140917
DateMar 08, 2017
Instrument5114/0917
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term340 Months
DueJul 01, 2045

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$3,245.00 (+3.57%) Homeowner's exemption$224,195 (+5.99%)$325,500 (+1.37%) Land $70,000 Building $255,500
2024$3,133.00 (+2.72%)
2023$3,050.00 (+3.71%) Homeowner's exemption$211,532 (+3%)$321,100 (+17.45%) Land $60,000 Building $261,100
2022$2,941.00 Homeowner's exemption$205,371$273,400 Land $55,000 Building $218,400

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 34 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies34 in force

Wildfire

Wildfire RiskLow
above 35% of the US · above 10% of Florida
Wildfire LikelihoodAbout 1 in 2,564 per year
ExposureDirect
burnable vegetation at the parcel

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

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
SpectrumCable1,000 / 1,000
Lumen TechnologiesDSL140 / 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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