2239 Summer Raye Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2239 Summer Raye Ct, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,924 sqft · built 2016
Lot Size	0.304 acres (13,242 sqft)
Owner	2 Individual Names on Record
Last Sale	$94,800 (Feb 2020)
Tax Bill	$3,426 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-26-30-0745-0001-2220`

Property Details

APN / Parcel Number

Primary APN	`22-26-30-0745-0001-2220`
Alternative APNs	`222630518100012220` `263022074500012220` `127795`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,924 sqft Living Area
Gross Area	2,862 sqft
1st Floor Area	1,924 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,242 sqft (0.304 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	327 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2239 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 222
Legal Range	30E
Legal Township	26S
Legal Section	22
Legal Subdivision	SWEETWATER CREEK UNIT 5
Legal Tract	745
Legal Block	1
Legal Lot Number	222
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 Individual Names on Record
Mailing Address	2239 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8589
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2017	Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC
Feb 12, 2020	Warranty Deed, Transfer MORTGAGE FIRM

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2020 · Amount on Record
Deed Sale	Feb 12, 2020 · Amount on Record
Prior Sale	May 6, 2015 · Amount on Record
Deed Document Number	202021868
Deed Book / Page	5673 / 2406
Prior Transfer Date	Feb 3, 2020
Prior Transfer Doc	0056732406
Record Updated	Jun 8, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2239 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8589
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051900697
Date	Aug 7, 2017
Book Page	5190/0697
Instrument	2017113302

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 12, 2020
Property Address	2239 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8589
Document Number	0056732406
Book / Page	005673 / 002406
Instrument Date	Feb 3, 2020
Instrument	21868
Transaction Type	Transfer
Record Updated	Mar 18, 2020
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC

Transaction

Amount	Amount Recorded
Tax	$664.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2239 SUMMER RAYE CT ST CLOUD FL 347728589, ST CLOUD, FL 34772-8589

Mortgage

Document Number	56732408
Date	Feb 12, 2020
Book Page	005673/002408
Instrument	21869

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Feb 11, 2035

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	$3,426.00 (+3.54%) Homeowner's exemption	$234,322 (+5.99%)	$368,900 (+0.74%) Land $73,500 Building $295,400
2024	$3,309.00 (+2.7%)
2023	$3,222.00 (+3.63%) Homeowner's exemption	$221,087 (+3%)	$366,200 (+18.43%) Land $63,000 Building $303,200
2022	$3,109.00 Homeowner's exemption	$214,648	$309,200 Land $57,800 Building $251,400

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.

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