2234 Summer Raye Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2234 Summer Raye Ct, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,552 sqft · built 2002
Lot Size	0.207 acres (9,017 sqft)
Owner	Individual Name on Record
Last Sale	$226,000 (Jun 2018)
Tax Bill	$2,252 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`127800`

Property Details

APN / Parcel Number

Primary APN	`127800`
Alternative APNs	`222630074500012270` `222630518100012270`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,552 sqft Heated Area
Gross Area	2,260 sqft
1st Floor Area	1,552 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2007
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
Porch	Open Porch
Porch Area	267 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	127800
Old Parcel Number	222630518100012270
Street Address	2234 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 227
Legal Range	30E
Legal Township	26S
Legal Section	22
Legal Subdivision	SWEETWATER CREEK
Legal Tract	745
Legal Block	1
Legal Lot Number	227
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 December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	2234 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8587
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Jun 4, 2018	Warranty Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2018 · Amount on Record
Deed Sale	Jun 4, 2018 · Amount on Record
Prior Sale	Aug 1, 2014 · Amount on Record
Deed Document Number	2018085915
Deed Book / Page	5343 / 2247
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2234 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8587
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2234 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8587

Mortgage

Document Number	0057922813
Date	Sep 14, 2020
Book Page	5792/2813
Instrument	2020122325

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 4, 2018
Property Address	2234 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8587
Document Number	0053432247
Book / Page	5343 / 2247
Map Reference	MB13 PG26
Instrument Date	May 18, 2018
Instrument	2018085915
Transaction Type	Transfer
Record Updated	Feb 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,582.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2234 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8587

Mortgage

Document Number	2018085916
Date	Jun 4, 2018
Instrument	2018085916

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$2,252.00 (+7.39%) Homeowner's exemption Senior Citizen's exemption	$180,366 (+5.99%)	$303,400 (+1.3%) Land $70,000 Building $233,400
2023	$2,097.00 (+4.38%) Homeowner's exemption Senior Citizen's exemption	$170,178 (+3%)	$299,500 (+18.05%) Land $60,000 Building $239,500
2022	$2,009.00 Homeowner's exemption Senior Citizen's exemption	$165,222	$253,700 Land $55,000 Building $198,700

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 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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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