2221 Summer Raye Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2221 Summer Raye Ct, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,143 sqft · built 2003
Lot Size	0.207 acres (9,016 sqft)
Owner	2 Company Names on Record
Last Sale	$385,000 (Dec 2023)
Tax Bill	$5,667 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Dec 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-26-30-0745-0001-2130`

Property Details

APN / Parcel Number

Primary APN	`22-26-30-0745-0001-2130`
Alternative APNs	`222630518100012130` `263022074500012130` `127786`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,143 sqft Living Area
Gross Area	2,976 sqft
1st Floor Area	2,143 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,016 sqft (0.207 acres)
Lot Dimensions	119 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	516 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	317 sqft
Patio Area	126 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2221 SUMMER RAYE CT
City	SAINT CLOUD
State	FL
Zip	34772-8589
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	SWEETWATER CREEK UNIT 5 PB 13 PG 26 LOT 213
Legal Range	30E
Legal Township	26S
Legal Section	22
Legal Subdivision	SWEETWATER CREEK UNIT 5
Legal Tract	745
Legal Block	2130
Legal Lot Number	213
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, as of November 26, 2025

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

Owner of Record	2 Company Names on Record
Mailing Address	58 CHRYSANTHEMUM DR, ORMOND BEACH, FL 32174-1491
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2023	Warranty Deed, Transfer · Conventional Mortgage ABSOLUTE HOME MORTGAGE CORP
Dec 13, 2023	Warranty Deed, Transfer · Conventional Mortgage ABSOLUTE HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2023 · Amount on Record
Deed Sale	Dec 13, 2023 · Amount on Record
Prior Sale	Mar 20, 2003 · Amount on Record
Deed Document Number	2023162126
Deed Book / Page	6518 / 1498
Last Transfer Date	Jul 17, 2025
Transfer Doc	0068272177
Record Updated	Sep 20, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 13, 2023
Property Address	2221 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8589
Document Number	0065181498
Book / Page	6518 / 1498
Map Reference	MB 13 PG 26
Instrument Date	Dec 12, 2023
Instrument	2023162126
Transaction Type	Transfer
Record Updated	Feb 1, 2024
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,695.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	191 INDIAN TRL, SAINT CLOUD, FL 34769-6306

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2221 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8589

Mortgage

Document Number	0065181500
Date	Dec 13, 2023
Instrument	6518/1500

Lender

Name	ABSOLUTE HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2039

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 13, 2023
Property Address	2221 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8589
Document Number	0065181498
Book / Page	6518 / 1498
Map Reference	MB 13 PG 26
Instrument Date	Dec 12, 2023
Instrument	2023162126
Transaction Type	Transfer
Record Updated	Jan 29, 2024
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,695.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	191 INDIAN TRL, SAINT CLOUD, FL 34769-6306

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2221 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8589

Mortgage

Document Number	0065181500
Date	Dec 13, 2023
Instrument	6518/1500

Lender

Name	ABSOLUTE HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2039

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,667.00 (-3.67%)	$359,500 (+144.59%) Land $73,500 Building $286,000	$359,500 (+0.76%) Land $73,500 Building $286,000
2024	$5,883.00 (+211.6%)
2023	$1,888.00 (+4.19%) Homeowner's exemption	$146,978 (+3%)	$356,800 (+18.42%) Land $63,000 Building $293,800
2022	$1,812.00 Homeowner's exemption	$142,698	$301,300 Land $57,800 Building $243,500

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 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

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 402 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
CenturyLink DSL	140 / 20

May also be available: Verizon, Xfinity.

Nearby Properties on Summer Raye Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures