4210 Needle Palm Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4210 Needle Palm Ct, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,602 sqft · built 2001
Lot Size	0.198 acres (8,625 sqft)
Owner	2 Owner Names on Record
Last Sale	$175,000 (Dec 2014)
Tax Bill	$2,372 (2025)
Deeds & Mortgages	Apr 2021 Mortgage May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`85198`

Property Details

APN / Parcel Number

Primary APN	`85198`
Alternative APN	`152630058300011510`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,602 sqft Heated Area
Gross Area	2,367 sqft
1st Floor Area	1,602 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	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	324 sqft
Fence	Fence
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	85198
Street Address	4210 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 151
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	CANOE CREEK LAKES
Legal Tract	583
Legal Block	1
Legal Lot Number	151
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 Owner Names on Record
Mailing Address	4210 NEEDLE PALM CT, SAINT CLOUD, FL 34772-8521
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
May 17, 2018	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2014 · Amount on Record
Deed Sale	Dec 16, 2014 · Amount on Record
Prior Sale	Jul 24, 2008 · Amount on Record
Deed Document Number	2014181905
Deed Book / Page	4708 / 2206
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4210 NEEDLE PALM CT, SAINT CLOUD, FL 34772-8521
Transaction Type	Mortgage
Record Updated	May 4, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0059302560
Date	Apr 8, 2021
Book Page	5930/2560
Instrument	2021052765

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4210 NEEDLE PALM CT, SAINT CLOUD, FL 34772-8521
Document Number	0053382109
Instrument Date	May 17, 2018
Transaction Type	Mortgage
Record Updated	Jun 21, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4210 NEEDLE PALM CT ST CLOUD FL 347728521, ST CLOUD, FL 34772-8521

Mortgage

Document Number	0053382109
Date	May 23, 2018
Book Page	005338/002109
Instrument	81122

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 22, 2048

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	$2,372.00 (+6.8%) Homeowner's exemption	$175,413 (+5.99%)	$314,700 (-2.54%) Land $75,000 Building $239,700
2023	$2,221.00 (+3.98%) Homeowner's exemption	$165,505 (+3%)	$322,900 (+20.35%) Land $65,000 Building $257,900
2022	$2,136.00 Homeowner's exemption	$160,685	$268,300 Land $60,000 Building $208,300

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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