2320 Giselle Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2320 Giselle Ct, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,977 sqft · built 2001
Lot Size	0.299 acres (13,024 sqft)
Owner	2 Individual Names on File
Last Sale	$442,500 (Aug 2023)
Tax Bill	$4,957 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-26-30-0743-0001-1040`

Property Details

APN / Parcel Number

Primary APN	`22-26-30-0743-0001-1040`
Alternative APNs	`222630518400011040` `263022074300011040` `127668`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,977 sqft Living Area
Gross Area	3,102 sqft
1st Floor Area	1,977 sqft
Flooring	Tile
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	13,024 sqft (0.299 acres)
Lot Dimensions	120 ft deep x 72 ft wide
Garage Type	Attached
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	392 sqft
Porch	Finished/Open Porch
Porch Area	420 sqft
Deck Area	580 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2320 GISELLE CT
City	SAINT CLOUD
State	FL
Zip	34772-8645
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	SWEETWATER CREEK UNIT 3 PB 10 PG 192 LOT 104
Legal Range	30E
Legal Township	26S
Legal Section	22
Legal Subdivision	SWEETWATER CREEK UNIT 3
Legal Tract	743
Legal Block	1040
Legal Lot Number	104
Legal Unit	3P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1011
Census Tract	43207

Owner

2320 Giselle Ct is owned and occupied by two individuals who bought it in August 2023.

Source: Osceola County records, as of November 26, 2025

Owner of Record	2 Individual Names on File
Mailing Address	2320 GISELLE CT, SAINT CLOUD, FL 34772-8645
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2023	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Dec 3, 2021	Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Apr 15, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2023 · Amount on File
Deed Sale	Aug 17, 2023 · Amount on File
Prior Sale	Dec 3, 2021 · Amount on File
Deed Document Number	2023108302
Deed Book / Page	6459 / 1724
Prior Transfer Date	Apr 5, 2019
Prior Transfer Doc	0055070879
Record Updated	Jun 8, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 17, 2023
Property Address	2320 GISELLE CT, SAINT CLOUD, FL 34772-8645
Document Number	0064591724
Book / Page	6459 / 1724
Map Reference	MB 10 PG 192
Instrument Date	Aug 16, 2023
Instrument	2023108302
Transaction Type	Transfer
Record Updated	Aug 31, 2023
Title Company	FIRST INTERNATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,097.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4417 13TH ST # ST313, ST313, SAINT CLOUD, FL 34769-6724

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 GISELLE CT, SAINT CLOUD, FL 34772

Mortgage

Document Number	0064591726
Date	Aug 17, 2023
Instrument	6459/1726

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 3, 2021
Property Address	2320 GISELLE CT, SAINT CLOUD, FL 34772-8645
Document Number	0061000691
Book / Page	6100 / 691
Map Reference	MB 10 PG 192
Instrument Date	Dec 1, 2021
Instrument	2021187014
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,606.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13018 GEARING CT, 13018, WINTER GARDEN, FL 34787-5487

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2320 GISELLE CT, SAINT CLOUD, FL 34772-8645
Investor	Possibly a Property Investor

Mortgage

Document Number	0006100693
Date	Dec 3, 2021
Instrument	6100/693

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 15, 2019
Property Address	2320 GISELLE CT, SAINT CLOUD, FL 34772-8645
Document Number	0055070879
Book / Page	005507 / 000879
Instrument Date	Apr 5, 2019
Instrument	47065
Transaction Type	Transfer
Record Updated	Jan 10, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2320 GISELLE CT ST CLOUD FL 347728645, ST CLOUD, FL 34772-8645

Tax Assessment & Valuation

The 2025 property tax bill for 2320 Giselle Ct was $4,957, up 3.4% from the year before.

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	$4,957.00 (+3.44%)	$319,823	$367,600 Land $73,500 Building $294,100
2024	$4,792.00 (-21.65%)
2023	$6,116.00 (+12.2%)	$355,100 (+17.47%) Land $63,000 Building $292,100	$355,100 (+17.47%) Land $63,000 Building $292,100
2022	$5,451.00	$302,300 Land $57,800 Building $244,500	$302,300 Land $57,800 Building $244,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2320 Giselle Ct in Zone X, an area of minimal flood risk.

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 File 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

Wildfire risk around 2320 Giselle Ct is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% 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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