2820 Canoe Creek Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2820 Canoe Creek Rd, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,479 sqft · built 1991
Lot Size	2.3 acres (100,188 sqft)
Owner	Individual Name on File
Last Sale	$455,000 (Jan 2022)
Tax Bill	$6,037 (2025)
Deeds & Mortgages	Jun 2026 Sale Jan 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-26-30-4950-0001-1285`

Property Details

APN / Parcel Number

Primary APN	`15-26-30-4950-0001-1285`
Alternative APNs	`263015495000011285` `85272`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,479 sqft Living Area
Gross Area	2,176 sqft
1st Floor Area	1,479 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	100,188 sqft (2.3 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	217 sqft
Patio Area	336 sqft
Pole Barn	2,350 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2820 CANOE CREEK RD
City	SAINT CLOUD
State	FL
Zip	34772-6509
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAC
Legal Description	S L & I C PB B PG 6 COM AT SW COR OF LOT 128, N 20 FT TO POB; CONT N 310 FT, E 97 FT, S 198 FT, E 511 FT, S 112 FT, W 608 FT TO POB AND VAC R/W LYING S OF LOT 128
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	S L & I C
Legal Tract	4950
Legal Block	1285
Legal Lot Number	128
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43207

Owner

2820 Canoe Creek Rd is owned and occupied by an individual who bought it in January 2022.

Source: Osceola County records, as of June 16, 2026

Owner of Record	Individual Name on File
Mailing Address	2820 CANOE CREEK RD, SAINT CLOUD, FL 34772-6509
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
Jun 8, 2026	Warranty Deed, Transfer TRANS-STATE TITLE INSURANCE CORPORATION, TRANS-STATE TITLE
Jan 26, 2022	Warranty Deed, Transfer · Conventional Mortgage AMCAP MORTGAGE LTD
Dec 15, 2017	Warranty Deed, Transfer · Conventional Mortgage FRANKLIN AMERICAN MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 2022 · Amount on File
Deed Sale	Jan 26, 2022 · Amount on File
Prior Sale	Dec 15, 2017 · Amount on File
Deed Document Number	202213659
Deed Book / Page	6136 / 2381
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 8, 2026
Property Address	2820 CANOE CREEK RD, SAINT CLOUD, FL 34772-6509
Document Number	0000075564
Book / Page	6985 / 19
Instrument Date	Jun 8, 2026
Instrument	202675564
Transaction Type	Transfer
Record Updated	Jun 16, 2026
Title Company	TRANS-STATE TITLE INSURANCE CORPORATION, TRANS-STATE TITLE

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2820 CANOE CREEK RD, SAINT CLOUD, FL 34772-6509

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 26, 2022
Property Address	2820 CANOE CREEK RD, SAINT CLOUD, FL 34772-6509
Document Number	0061362381
Book / Page	6136 / 2381
Map Reference	MB B PG 6
Instrument Date	Jan 25, 2022
Instrument	2022013659
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	LEADING EDGE TITLE PARTNERS/CTRL F, LEADING EDGE TTL OF CTRL FL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,185.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16782 219TH PL, NEW UNDERWOOD, SD 57761-7804

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2820 CANOE CREEK RD, SAINT CLOUD, FL 34772-6509

Mortgage

Document Number	0061362383
Date	Jan 26, 2022
Instrument	6136/2383

Lender

Name	AMCAP MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 15, 2017
Property Address	2820 CANOE CREEK RD, SAINT CLOUD, FL 34772-6509
Document Number	0052542172
Book / Page	5254 / 2172
Map Reference	MB B PG6
Instrument Date	Dec 14, 2017
Instrument	2017178493
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,712.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	30301 RANCH RD, 30301, DRIPPING SPRINGS, TX 78620

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2820 CANOE CREEK RD, SAINT CLOUD, FL 34772-6509

Mortgage

Document Number	2017178494
Date	Dec 15, 2017
Instrument	2017178494

Lender

Name	FRANKLIN AMERICAN MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2820 Canoe Creek Rd was $6,037 with a homeowner's exemption.

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	$6,037.00 Homeowner's exemption	$380,211	$402,600 Land $103,500 Building $299,100
2023	$6,944.00 (+171.89%)	$385,400 (+109.59%) Land $92,000 Building $293,400	$385,400 (+52.15%) Land $92,000 Building $293,400
2022	$2,554.00 Homeowner's exemption	$183,886	$253,300 Land $92,000 Building $161,300

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

FEMA maps place 2820 Canoe Creek Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 2820 Canoe Creek Rd is moderate, ranking above 46% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond 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 257 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
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20

May also be available: Xfinity.

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