2241 Summer Raye Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2241 Summer Raye Ct, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,798 sqft · built 2001
Lot Size	0.358 acres (15,594 sqft)
Owner	2 Individual Names on Record
Last Sale	$445,000 (Apr 2026)
Tax Bill	$2,325 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22-26-30-0745-0001-2230`

Property Details

APN / Parcel Number

Primary APN	`22-26-30-0745-0001-2230`
Alternative APNs	`222630518100012230` `263022074500012230` `127796`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,798 sqft Living Area
Gross Area	2,334 sqft
1st Floor Area	1,578 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,594 sqft (0.358 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	358 sqft
Porch	Florida Room
Porch Area	427 sqft
Deck Area	831 sqft
Patio Area	270 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2241 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 223
Legal Range	30E
Legal Township	26S
Legal Section	22
Legal Subdivision	SWEETWATER CREEK UNIT 5
Legal Tract	745
Legal Block	2230
Legal Lot Number	223
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 July 6, 2026

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	2241 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8589
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2026	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Apr 24, 2026	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Nov 28, 2018	Deed of Trust, Mortgage · VA Mortgage RP FUNDING INC
Nov 15, 2019	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2026 · Amount on Record
Deed Sale	Apr 24, 2026 · Amount on Record
Prior Sale	Nov 2, 2012 · Amount on Record
Deed Document Number	202654632
Deed Book / Page	6960 / 2663
Prior Transfer Date	Oct 22, 2004
Prior Transfer Doc	0026942571
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 24, 2026
Property Address	2241 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8589
Document Number	0000054632
Book / Page	6960 / 2663
Instrument Date	Apr 23, 2026
Instrument	2026.54632
Transaction Type	Transfer
Record Updated	May 4, 2026
Title Company	TITLE AGENTS OF SOUTH FLORIDA, TITLE GUARANTY OF SOUTH FLORID

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$314,615.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2241 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8589

Mortgage

Document Number	0000054633,
Date	Apr 24, 2026
Instrument	2026..54633

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	4.24%
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 24, 2026
Property Address	2241 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8589
Document Number	0069602663
Book / Page	6960 / 2663
Instrument Date	Apr 23, 2026
Instrument	202654632
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	TITLE GUARANTY, TITLE GUARANTY OF SOUTH FLORID

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$314,615.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2241 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8589

Mortgage

Document Number	0000054633,
Date	Apr 24, 2026
Instrument	202654633

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	4.24%
Max Rate	-1%

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2241 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	0054390059
Date	Nov 28, 2018
Book Page	5439/0059
Instrument	2018173778

Lender

Name	RP FUNDING INC
Type	Mortgage Company
Address	LAKE MARY, FL 32746

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2241 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8589
Document Number	0056290904
Instrument Date	Nov 15, 2019
Transaction Type	Mortgage
Record Updated	Dec 18, 2019
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2241 SUMMER RAYE CT ST CLOUD FL 347728589, ST CLOUD, FL 34772-8589

Mortgage

Document Number	0056290904
Date	Nov 25, 2019
Book Page	005629/000904
Instrument	153129

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 24, 2049

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	$2,325.00 (+3.7%) Homeowner's exemption	$172,779 (+5.99%)	$339,400 (+1.65%) Land $70,000 Building $269,400
2024	$2,242.00 (+2.99%)
2023	$2,177.00 (+4.01%) Homeowner's exemption	$163,020 (+3%)	$333,900 (+16.26%) Land $60,000 Building $273,900
2022	$2,093.00 Homeowner's exemption	$158,272	$287,200 Land $55,000 Building $232,200

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	0.05% annual chance
Exposure	Indirect within 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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