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4203 Needle Palm Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4203 Needle Palm Ct, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,826 sqft · built 2001
Lot Size0.198 acres (8,624 sqft)
Owner2 Individual Names on Record
Last Sale$23,900 (Feb 2001)
Tax Bill$1,867 (2025)
Deeds & MortgagesApr 2023 Transfer
Flood ZoneZone X (minimal risk)
APN15-26-30-0583-0001-1580

Property Details

APN / Parcel Number

Primary APN15-26-30-0583-0001-1580
Alternative APNs
  • 263015058300011580
  • 85205

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,826 sqft Living Area
Gross Area2,280 sqft
1st Floor Area1,826 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2001
Effective Year BuiltEffective 2001
Architectural StyleConventional
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,624 sqft (0.198 acres)
Lot Dimensions115 ft deep x 75 ft wide
Garage TypeAttached
Garage Area400 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area364 sqft
PorchFinished/Open Porch
Porch Area54 sqft
Deck Area475 sqft
Patio Area200 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address4203 NEEDLE PALM CT
CitySAINT CLOUD
StateFL
Zip34772-8521
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR1B
Legal DescriptionCANOE CREEK LAKES UNIT 8 PB 10 PG 197 LOT 158
Legal Range30E
Legal Township26S
Legal Section15
Legal SubdivisionCANOE CREEK LAKES UNIT 8
Legal Tract583
Legal Block1580
Legal Lot Number158
Legal Unit8P
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2001
Census Tract43208

Owner

Source: Osceola County records, as of March 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address1300 WOOD LAKE CIR, SAINT CLOUD, FL 34772-7466
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 14, 2001 · Amount on Record
Deed SaleFeb 14, 2001 · Amount on Record
Prior SaleFeb 14, 2001 · Amount on Record
Deed Book / Page1836 / 2595
Last Transfer DateFeb 21, 2023
Transfer Doc0063862980
Record UpdatedJun 8, 2026

April 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateApr 12, 2023
Property Address4203 NEEDLE PALM CT, SAINT CLOUD, FL 34772-8521
Document Number0063862980
Book / Page6386 / 2980
Map ReferenceMB 10 PG 197
Instrument DateFeb 21, 2023
Instrument2023042261
Transaction TypeTransfer
Record UpdatedApr 27, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address4203 NEEDLE PALM CT, SAINT CLOUD, FL 34772-8521

Transferred To (Grantee/Buyer)

NameVerified Name
Address1300 WOOD LAKE CIR, SAINT CLOUD, FL 34772-7466

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,867.00 (+3.84%) Homeowner's exemption$147,207 (+5.99%)$335,000 (-1.9%) Land $75,000 Building $260,000
2024$1,798.00 (+3.21%)
2023$1,742.00 (+4.31%) Homeowner's exemption$138,893 (+3%)$341,500 (+19.74%) Land $65,000 Building $276,500
2022$1,670.00 Homeowner's exemption$134,848$285,200 Land $60,000 Building $225,200

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 41 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies41 in force
Nearby Flood Claims2 (2015–2020)
Claims Outside the SFHA2 of 2
Most Recent ClaimJan 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 RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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