4211 Needle Palm Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4211 Needle Palm Ct, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,826 sqft · built 2001
Lot Size	0.198 acres (8,625 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,907 (2025)
Deeds & Mortgages	Jan 2019 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`85209`

Property Details

APN / Parcel Number

Primary APN	`85209`
Alternative APN	`152630058300011620`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,826 sqft Heated Area
Gross Area	2,480 sqft
1st Floor Area	1,826 sqft
Flooring	Carpet
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	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	392 sqft
Porch	Open Porch
Porch Area	254 sqft
Deck Area	436 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	85209
Street Address	4211 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 162
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	CANOE CREEK LAKES
Legal Tract	583
Legal Block	1
Legal Lot Number	162
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	4211 NEEDLE PALM CT, SAINT CLOUD, FL 34772-8521
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2019	Deed of Trust, Mortgage · VA Mortgage BBMC MORTGAGE LLC
Oct 24, 2019	Deed of Trust, Mortgage · VA Mortgage MR COOPER
Jun 10, 2017	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2022
Deed Sale	May 3, 2022
Prior Sale	Sep 10, 2004 · Amount on Record
Deed Document Number	2006250149
Deed Book / Page	3303 / 1923
Prior Transfer Date	Oct 13, 2006
Prior Transfer Doc	2006250149
Record Updated	Jun 8, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4211 NEEDLE PALM CT, SAINT CLOUD, FL 34772-8521
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054620063
Date	Jan 11, 2019
Book Page	5462/0063
Instrument	2019004673

Lender

Name	BBMC MORTGAGE LLC
Type	Lending Institution
Address	LOMBARD, IL 60148

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4211 NEEDLE PALM CT, SAINT CLOUD, FL 34772-8521
Document Number	0056152037
Instrument Date	Oct 24, 2019
Transaction Type	Mortgage
Record Updated	Nov 12, 2019
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4211 NEEDLE PALM CT ST CLOUD FL 347728521, ST CLOUD, FL 34772-8521

Mortgage

Document Number	0056152037
Date	Oct 31, 2019
Book Page	005615/002037
Instrument	141434

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 30, 2049

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4211 NEEDLE PALM CT, SAINT CLOUD, FL 34772-8521
Document Number	0051651860
Book / Page	005165 / 001860
Instrument Date	Jun 10, 2017
Transaction Type	Mortgage
Record Updated	Jul 17, 2017
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4211 NEEDLE PALM CT ST CLOUD FL 347728521, ST CLOUD, FL 34772-8521

Mortgage

Document Number	0051651860
Date	Jun 19, 2017
Book Page	005165/001860
Instrument	88310

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 18, 2047

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	$1,907.00 (+7.13%) Homeowner's exemption	$149,464 (+5.99%)	$339,200 (-1.94%) Land $75,000 Building $264,200
2023	$1,780.00 (+4.22%) Homeowner's exemption	$141,022 (+3%)	$345,900 (+19.36%) Land $65,000 Building $280,900
2022	$1,708.00 Homeowner's exemption	$136,915	$289,800 Land $60,000 Building $229,800

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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