4203 Floating Orchid Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4203 Floating Orchid Ct, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,776 sqft · built 2001
Lot Size	0.198 acres (8,625 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Mar 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`85221`

Property Details

APN / Parcel Number

Primary APN	`85221`
Alternative APN	`152630058300011740`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,776 sqft Heated Area
Gross Area	2,720 sqft
1st Floor Area	1,776 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,625 sqft (0.198 acres)
Lot Dimensions	115 ft deep x 75 ft wide
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	524 sqft
Patio Area	200 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	85221
Street Address	4203 FLOATING ORCHID CT
City	SAINT CLOUD
State	FL
Zip	34772-8522
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	CANOE CREEK LAKES UNIT 8 PB 10 PG 197 LOT 174
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	CANOE CREEK LAKES
Legal Tract	583
Legal Block	1
Legal Lot Number	174
Legal Unit	8P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2001
Census Tract	43208

Owner

Source: Osceola County records, as of December 11, 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	4203 FLOATING ORCHID CT, SAINT CLOUD, FL 34772-8522
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2020	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Mar 20, 2018	Deed of Trust, Mortgage · VA Mortgage HIGHTECHLENDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2014
Deed Sale	May 29, 2014
Prior Sale	Jan 29, 2001 · Amount on Record
Deed Document Number	0046191198
Deed Book / Page	02299 / 00790
Prior Transfer Date	Jul 24, 2003
Prior Transfer Doc	0229900790
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4203 FLOATING ORCHID CT, SAINT CLOUD, FL 34772-8522
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4203 FLOATING ORCHID CT, SAINT CLOUD, FL 34772-8522

Mortgage

Document Number	0058010067
Date	Sep 29, 2020
Book Page	5801/67
Instrument	2020129445

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4203 FLOATING ORCHID CT, SAINT CLOUD, FL 34772-8522
Document Number	0053071892
Instrument Date	Mar 20, 2018
Transaction Type	Mortgage
Record Updated	Apr 17, 2018
Title Company	WORLDWIDE RECORDING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4203 FLOATING ORCHID CT ST CLOUD FL 347728522, ST CLOUD, FL 34772-8522

Mortgage

Document Number	0053071892
Date	Mar 27, 2018
Book Page	005307/001892
Instrument	48965

Lender

Name	HIGHTECHLENDING
Address	CITRUS HEIGHTS, CA 95610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 26, 2033

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$134,651 (+5.99%)	$332,700 (-2.75%) Land $75,000 Building $257,700
2023	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$127,046 (+3%)	$342,100 (+20.71%) Land $65,000 Building $277,100
2022	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$123,346	$283,400 Land $60,000 Building $223,400

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 41 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	41 in force
Nearby Flood Claims	2 (2015–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2020 · other causes

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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% 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 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 · Fiber in parts of the area	1,000 / 35
CenturyLink DSL · Fiber in parts of the area	140 / 20

May also be available: Verizon.

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