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2232 Summer Raye Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2232 Summer Raye Ct, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,078 sqft · built 2002
Lot Size0.21 acres (9,148 sqft)
OwnerIndividual Name on Record
Last Sale$285,000 (Aug 2019)
Tax Bill$3,466 (2025)
Deeds & MortgagesAug 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN127801

Property Details

APN / Parcel Number

Primary APN127801
Alternative APNs
  • 222630074500012280
  • 222630518100012280

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,078 sqft Heated Area
Gross Area2,968 sqft
1st Floor Area2,078 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2002
Exterior MaterialCombination
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,148 sqft (0.21 acres)
Lot Dimensions122 ft deep x 75 ft wide
Garage TypeFinished
Garage Area598 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area450 sqft
PorchOpen Porch
Porch Area292 sqft
Deck Area401 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number127801
Old Parcel Number222630518100012280
Street Address2232 SUMMER RAYE CT
CitySAINT CLOUD
StateFL
Zip34772-8587
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR1B
Legal DescriptionSWEETWATER CREEK UNIT 5 PB 13 PG 26 LOT 228
Legal Range30E
Legal Township26S
Legal Section22
Legal SubdivisionSWEETWATER CREEK
Legal Tract745
Legal Block1
Legal Lot Number228
Legal Unit5P
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1003
Census Tract43207

Owner

Source: Osceola County records, as of December 11, 2025

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

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address2232 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8587
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 9, 2019 · Amount on Record
Deed SaleAug 9, 2019 · Amount on Record
Prior SaleJun 29, 2015 · Amount on Record
Deed Document Number2019102998
Deed Book / Page5571 / 0409
Record UpdatedJun 8, 2026

August 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 9, 2019
Property Address2232 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8587
Document Number0055710409
Book / Page5571 / 0409
Map ReferenceMB 13 PG 26
Instrument DateAug 8, 2019
Instrument2019102998
Transaction TypeTransfer
Record UpdatedMay 2, 2022
Title CompanyFIDELITY NATL TTL OF FL INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,995.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2232 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8587

Mortgage

Document Number0005571411
DateAug 9, 2019
Instrument5571/411
Lender
NameANGEL OAK MORTGAGE SOLUTIONS LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2049

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,466.00 (+6.32%) Homeowner's exemption$236,570 (+5.99%)$372,000 (+1.14%) Land $70,000 Building $302,000
2023$3,260.00 (+3.62%) Homeowner's exemption$223,207 (+3%)$367,800 (+17.77%) Land $60,000 Building $307,800
2022$3,146.00 Homeowner's exemption$216,706$312,300 Land $55,000 Building $257,300

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 34 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies34 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 RiskLow
lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood0.04% annual chance
ExposureDirect
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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