4209 Needle Palm Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4209 Needle Palm Ct, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2001
Square Footage	1,826 sqft Heated Area
Lot Size	8,625 sqft (0.198 acres)
Garage	Finished, 400 sqft
Occupancy	Owner Occupied
Tax Bill	$1,710.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`85208`
Alternative APN	`152630058300011610`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,826 sqft Heated Area
Gross Area	2,616 sqft Gross Area
1st Floor	1,826 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2001
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	8,625 sqft (0.198 acres)
Depth X Width	115 ft x 75 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	400 sqft Garage

Exterior Amenities

Pool Type	In-Ground Pool Pool Type
Pool Area	28 sqft Pool
Fence	Fence
Shed	1 Shed
Shed Area	80 sqft Shed
Deck Area	368 sqft Deck
Porch	Open Porch
Porch Area	390 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	85208
Street Address	4209 NEEDLE PALM CT
City	SAINT CLOUD
State	FL
Zip	34772-8521
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	CANOE CREEK LAKES UNIT 8 PB 10 PG 197 LOT 161
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	CANOE CREEK LAKES
Legal Tract	583
Legal Block	1
Legal Lot Number	161
Legal Unit	8P
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	2
Census Block	2001
Census Tract	43208

Owner

Source: Osceola County records · APN 85208

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record	Individual Name on File
Mailing Address	4209 NEEDLE PALM CT, SAINT CLOUD, FL 34772-8521
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 08, 2025
Deed Sale	Feb 08, 2025
Prior Sale	Aug 20, 2001 · Amount on Record
Deed Doc Number	2004173466
Deed Book / Page	2588 / 1114
Prior Transfer Date	Aug 31, 2004
Prior Transfer Doc	2004173466
Record Refreshed	Jun 08, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4209 NEEDLE PALM CT, SAINT CLOUD, FL 34772-8521
Document Number	0054510250
Instrument Date	Dec 12, 2018
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	4209 NEEDLE PALM CT ST CLOUD FL 347728521, ST CLOUD, FL 34772-8521

Mortgage

Document Number	0054510250
Date	Dec 18, 2018
Book Page	005451/000250
Instrument	184683

Lender

Name	FAIRWINDS CU
Address	ORLANDO, FL 32826

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 17, 2033

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,710.00 (+8.02%) Homeowner's exemption Disabled Person's exemption	$148,455 (+5.99%)	$338,700 (-2.17%) Land $75,000 Building $263,700
2023	$1,583.00 (-5.38%) Homeowner's exemption Disabled Person's exemption	$140,070 (+3%)	$346,200 (+19.5%) Land $65,000 Building $281,200
2022	$1,673.00 Homeowner's exemption Disabled Person's exemption	$135,991	$289,700 Land $60,000 Building $229,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.