2231 Summer Raye Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2231 Summer Raye Ct, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,112 sqft · built 2002
Lot Size	0.209 acres (9,104 sqft)
Owner	Individual Name on Record
Last Sale	$415,000 (Jun 2026)
Tax Bill	$5,817 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jun 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22-26-30-0745-0001-2180`

Property Details

APN / Parcel Number

Primary APN	`22-26-30-0745-0001-2180`
Alternative APNs	`222630518100012180` `263022074500012180` `127791`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,112 sqft Living Area
Gross Area	2,930 sqft
1st Floor Area	2,112 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,104 sqft (0.209 acres)
Lot Dimensions	121 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	450 sqft
Porch	Finished/Open Porch
Porch Area	358 sqft
Deck Area	518 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2231 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 218
Legal Range	30E
Legal Township	26S
Legal Section	22
Legal Subdivision	SWEETWATER CREEK UNIT 5
Legal Tract	745
Legal Block	2180
Legal Lot Number	218
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 June 12, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	2231 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8589
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2026	Warranty Deed, Transfer · Conventional Mortgage PENTAGON FEDERAL CREDIT UNION
Jun 2, 2026	Warranty Deed, Transfer · Conventional Mortgage PENTAGON FEDERAL CREDIT UNION
Jan 24, 2024	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Aug 3, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage PEGGY WHALEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2026 · Amount on Record
Deed Sale	Jun 2, 2026 · Amount on Record
Prior Sale	Aug 3, 2021 · Amount on Record
Deed Document Number	202671448
Deed Book / Page	6980 / 786
Prior Transfer Date	Nov 6, 2023
Prior Transfer Doc	0065382200
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 2, 2026
Property Address	2231 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8589
Document Number	0000071448
Book / Page	6980 / 786
Instrument Date	Jun 1, 2026
Instrument	202671448
Transaction Type	Transfer
Record Updated	Jun 12, 2026
Title Company	COVE TITLE SERVICES, CORE TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$293,405.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2231 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8589
Investor	Possibly a Property Investor

Mortgage

Document Number	0000071449,
Date	Jun 2, 2026
Instrument	202671449

Lender

Name	PENTAGON FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 2, 2026
Property Address	2231 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8589
Document Number	0069800786
Book / Page	6980 / 786
Instrument Date	Jun 1, 2026
Instrument	202671448
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	CORE TITLE SERVICES LLC, CORE TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$293,405.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2231 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8589
Investor	Possibly a Property Investor

Mortgage

Document Number	0000071449,
Date	Jun 2, 2026
Instrument	202671449

Lender

Name	PENTAGON FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jan 24, 2024
Property Address	2231 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8589
Document Number	0065382200
Book / Page	6538 / 2200
Map Reference	MB 13 PG 26
Instrument Date	Nov 6, 2023
Instrument	2024009739
Transaction Type	Transfer
Record Updated	Feb 5, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2742 PARKFIELD RD, SAINT CLOUD, FL 34772-8956

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2231 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8589

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 3, 2021
Property Address	2231 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8589
Document Number	0060142702
Book / Page	6014 / 2702
Map Reference	MB 13 PG 26
Instrument Date	Jul 30, 2021
Instrument	2021119744
Transaction Type	Transfer
Record Updated	Aug 18, 2021
Title Company	OLIVER TITLE LAW

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	378 MESSINA DR, 378, BALLWIN, MO 63021-6471

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2697 HICKORY TREE RD, SAINT CLOUD, FL 34772-8911

Mortgage

Document Number	60142705
Date	Aug 3, 2021
Instrument	6014/2705

Lender

Name	PEGGY WHALEY
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$5,817.00 (-13.94%)	$367,900 (-3.39%) Land $73,500 Building $294,400	$367,900 (-3.39%) Land $73,500 Building $294,400
2024	$6,759.00 (+7.23%)	$380,800 (+4.39%) Land $71,400 Building $309,400	$380,800 (+4.39%) Land $71,400 Building $309,400
2023	$6,303.00 (+12.03%)	$364,800 (+16.92%) Land $63,000 Building $301,800	$364,800 (+16.92%) Land $63,000 Building $301,800
2022	$5,626.00	$312,000 Land $57,800 Building $254,200	$312,000 Land $57,800 Building $254,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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.

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