2327 Giselle Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2327 Giselle Ct, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,921 sqft · built 1999
Lot Size	0.301 acres (13,111 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (Feb 2018)
Tax Bill	$3,113 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-26-30-0743-0001-1090`

Property Details

APN / Parcel Number

Primary APN	`22-26-30-0743-0001-1090`
Alternative APNs	`222630518400011090` `263022074300011090` `127673`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,921 sqft Living Area
Gross Area	2,793 sqft
1st Floor Area	1,921 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,111 sqft (0.301 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	389 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2327 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 109
Legal Range	30E
Legal Township	26S
Legal Section	22
Legal Subdivision	SWEETWATER CREEK UNIT 3
Legal Tract	743
Legal Block	1090
Legal Lot Number	109
Legal Unit	3P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1011
Census Tract	43207

Owner

2327 Giselle Ct is owned and occupied by an individual who bought it in February 2018.

Source: Osceola County records, as of August 3, 2026

Owner of Record	Individual Name on File
Mailing Address	2327 GISELLE CT, SAINT CLOUD, FL 34772-8645
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 19, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Feb 3, 2020	Deed of Trust, Mortgage · FHA Mortgage MERIDIAN HOME MORTGAGE CORP
Feb 26, 2018	Warranty Deed, Transfer · FHA Mortgage MORTGAGE LENDERS/AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2018 · Amount on File
Deed Sale	Feb 26, 2018 · Amount on File
Prior Sale	Apr 28, 1999 · Amount on File
Deed Document Number	201833001
Deed Book / Page	5292 / 68
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2327 GISELLE CT, SAINT CLOUD, FL 34772-8645
Transaction Type	Mortgage
Record Updated	Nov 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2327 GISELLE CT, SAINT CLOUD, FL 34772-8645

Mortgage

Document Number	0060681734
Date	Oct 19, 2021
Book Page	6068/1734
Instrument	2021162804

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2327 GISELLE CT, SAINT CLOUD, FL 34772-8645
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	RESEARCH TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056681207
Date	Feb 3, 2020
Book Page	5668/1207
Instrument	2020016795

Lender

Name	MERIDIAN HOME MORTGAGE CORP
Type	Mortgage Company
Address	WESTMINSTER, MD 21157

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 26, 2018
Property Address	2327 GISELLE CT, SAINT CLOUD, FL 34772-8645
Document Number	0052920068
Book / Page	005292 / 000068
Instrument Date	Feb 23, 2018
Instrument	33001
Transaction Type	Transfer
Record Updated	Mar 23, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2327 GISELLE CT ST CLOUD FL 347728645, ST CLOUD, FL 34772-8645

Mortgage

Document Number	52920069
Date	Feb 26, 2018
Book Page	005292/000069
Instrument	33002

Lender

Name	MORTGAGE LENDERS/AMERICA
Type	Mortgage Company
Address	OVERLAND PARK, KS 66211

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 25, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2327 Giselle Ct was $3,113 with exemptions applied.

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	$3,113.00 Homeowner's exemption Widower's exemption	$221,843	$327,200 Land $70,000 Building $257,200
2023	$2,920.00 (+0.9%) Homeowner's exemption Widower's exemption	$209,312 (+3%)	$324,400 (+18.31%) Land $60,000 Building $264,400
2022	$2,894.00 Homeowner's exemption Widower's exemption	$203,216	$274,200 Land $55,000 Building $219,200

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

Flood

FEMA maps place 2327 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 2327 Giselle Ct is low, with a 0.05% annual chance of 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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