4207 Needle Palm Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4207 Needle Palm Ct, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,132 sqft · built 2001
Lot Size	0.198 acres (8,624 sqft)
Owner	2 Individual Names on Record
Last Sale	$454,900 (Oct 2022)
Tax Bill	$4,786 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Oct 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-26-30-0583-0001-1600`

Property Details

APN / Parcel Number

Primary APN	`15-26-30-0583-0001-1600`
Alternative APNs	`263015058300011600` `85207`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,132 sqft Living Area
Gross Area	2,588 sqft
1st Floor Area	2,132 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,624 sqft (0.198 acres)
Lot Dimensions	115 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	220 sqft
Porch	Metal Porch
Porch Area	284 sqft
Deck Area	338 sqft
Patio Area	248 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4207 NEEDLE PALM CT
City	SAINT CLOUD
State	FL
Zip	34772-8521
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 160
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	CANOE CREEK LAKES UNIT 8
Legal Tract	583
Legal Block	1600
Legal Lot Number	160
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 July 6, 2026

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	4207 NEEDLE PALM CT, SAINT CLOUD, FL 34772-8521
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK
Oct 25, 2022	Warranty Deed, Transfer · Conventional Mortgage FBC MORTGAGE LLC
Jul 1, 2022	Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO
Jul 24, 2019	Deed of Trust, Mortgage · FHA Mortgage LOANLEADERS/AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2022 · Amount on Record
Deed Sale	Oct 25, 2022 · Amount on Record
Prior Sale	Jul 1, 2022 · Amount on Record
Deed Document Number	2022157630
Deed Book / Page	6305 / 1588
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Jun 24, 2026
Property Address	4207 NEEDLE PALM CT, SAINT CLOUD, FL 34772-8521
Document Number	0000082643
Book / Page	6992 / 2018
Instrument Date	Jun 15, 2026
Instrument	202682643
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4207 NEEDLE PALM CT, SAINT CLOUD, FL 34772-8521

Mortgage

Document Number	0000082643,
Date	Jun 24, 2026
Book Page	6992/2018
Instrument	202682643

Lender

Name	TRUSTCO BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 15, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 25, 2022
Property Address	4207 NEEDLE PALM CT, SAINT CLOUD, FL 34772-8521
Document Number	0063051588
Book / Page	6305 / 1588
Map Reference	MB 10 PG 197
Instrument Date	Oct 24, 2022
Instrument	2022157630
Transaction Type	Transfer
Record Updated	Nov 10, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,184.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 2150, CHANDLER, AZ 85286-1662

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4207 NEEDLE PALM CT, SAINT CLOUD, FL 34772-8521

Mortgage

Document Number	0063051590
Date	Oct 25, 2022
Instrument	6305/1590

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 1, 2022
Property Address	4207 NEEDLE PALM CT, SAINT CLOUD, FL 34772-8521
Document Number	0062441860
Book / Page	6244 / 1860
Map Reference	MB 10 PG 197
Instrument Date	Jun 29, 2022
Instrument	2022103200
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$2,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2251 VILLA VERANO WAY APT 301, 301, KISSIMMEE, FL 34744-5971

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662
Investor	Possibly a Property Investor

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4207 NEEDLE PALM CT, SAINT CLOUD, FL 34772-8521
Document Number	0055840668
Instrument Date	Jul 24, 2019
Transaction Type	Mortgage
Record Updated	Sep 18, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4207 NEEDLE PALM CT ST CLOUD FL 347728521, ST CLOUD, FL 34772-8521

Mortgage

Document Number	0055840668
Date	Sep 5, 2019
Book Page	005584/000668
Instrument	114222

Lender

Name	LOANLEADERS/AMERICA
Type	Funding / Finance Company
Address	IRVINE, CA 92614

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 4, 2049

Tax Assessment & Valuation

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	$4,786.00 (+6.05%) Homeowner's exemption	$310,300 (+5.99%)	$359,900 (-2.65%) Land $75,000 Building $284,900
2023	$4,513.00 (+157.74%) Homeowner's exemption	$292,772 (+110.15%)	$369,700 (+20.38%) Land $65,000 Building $304,700
2022	$1,751.00 Homeowner's exemption	$139,318	$307,100 Land $60,000 Building $247,100

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

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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