Osceola County property record for 2236 Summer Raye Ct, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,108 sqft · built 2003 |
| Lot Size | 0.207 acres (9,016 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $275,000 (Dec 2006) |
| Tax Bill | $2,039 (2025) |
| Deeds & Mortgages | Aug 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-26-30-0745-0001-2260 |
| Primary APN | 22-26-30-0745-0001-2260 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,108 sqft Living Area |
| Gross Area | 2,807 sqft |
| 1st Floor Area | 2,108 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,016 sqft (0.207 acres) |
| Lot Dimensions | 120 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 237 sqft |
| Patio Area | 120 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2236 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 226 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 22 |
| Legal Subdivision | SWEETWATER CREEK UNIT 5 |
| Legal Tract | 745 |
| Legal Block | 2260 |
| Legal Lot Number | 226 |
| Legal Unit | 5P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 43207 |
Source: Osceola County records, as of July 31, 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 | 2236 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8587 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 28, 2006 · Amount on Record |
| Deed Sale | Dec 28, 2006 · Amount on Record |
| Prior Sale | May 22, 2002 · Amount on Record |
| Deed Document Number | 2006301753 |
| Deed Book / Page | 3368 / 2077 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2236 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8587 |
| Document Number | 0055762493 |
| Instrument Date | Aug 9, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 2236 SUMMER RAYE CT ST CLOUD FL 347728587, ST CLOUD, FL 34772-8587 |
| Document Number | 0055762493 |
|---|---|
| Date | Aug 21, 2019 |
| Book Page | 005576/002493 |
| Instrument | 108210 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 20, 2034 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,039.00 (+7.03%) Homeowner's exemption | $156,813 (+5.99%) | $351,200 (+0.63%) Land $70,000 Building $281,200 |
| 2023 | $1,905.00 (+4.16%) Homeowner's exemption | $147,956 (+3%) | $349,000 (+18.39%) Land $60,000 Building $289,000 |
| 2022 | $1,829.00 Homeowner's exemption | $143,647 | $294,800 Land $55,000 Building $239,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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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