4475 Canoe Creek Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4475 Canoe Creek Rd, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,969 sqft · built 2020
Lot Size	1.12 acres (49,092 sqft)
Owner	Individual Name on Record
Last Sale	$72,000 (Jul 2020)
Tax Bill	$3,690 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jul 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`89390`

Property Details

APN / Parcel Number

Primary APN	`89390`
Alternative APN	`122730495000010281`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,969 sqft Heated Area
Gross Area	2,927 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	49,092 sqft (1.12 acres)
Garage Type	Finished
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	89390
Street Address	4475 CANOE CREEK RD
City	SAINT CLOUD
State	FL
Zip	34772-9177
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OA1A
Legal Description	S L & I C PB B PG 37 A PORTION OF LOTS 21 & 28: BEG 248 FT W & 953.07 FT S OF N1/4 COR, W 266.23 FT, S 10 DEG E 202.85 FT, E
Legal Range	30E
Legal Township	27S
Legal Section	12
Legal Subdivision	SEMINOLE LAND&INV CO
Legal Tract	N
Legal Block	1
Legal Lot Number	21,28 28
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1032
Census Tract	43205

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	PO BOX 700177, SAINT CLOUD, FL 34770-0177
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 20, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP
Mar 17, 2020	Warranty Deed, Transfer NOT AVAILABLE
May 7, 2018	Warranty Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2020 · Amount on Record
Deed Sale	Jul 20, 2020 · Amount on Record
Prior Sale	May 7, 2018 · Amount on Record
Deed Document Number	2020094353
Deed Book / Page	5757 / 2693
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4475 CANOE CREEK RD, SAINT CLOUD, FL 34772-9177
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4475 CANOE CREEK RD, SAINT CLOUD, FL 34772-9177

Mortgage

Document Number	0060491505
Date	Sep 22, 2021
Book Page	6049/1505
Instrument	2021147312

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

July 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 20, 2020
Property Address	4475 CANOE CREEK RD, SAINT CLOUD, FL 34772-9177
Document Number	0057572693
Book / Page	5757 / 2693
Map Reference	MB B PG 37
Instrument Date	Jul 15, 2020
Instrument	2020094353
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 1, 2022
Title Company	LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Tax	$504.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4475 BRADY RD, 4475, SAINT CLOUD, FL 34772-7508

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 700177, SAINT CLOUD, FL 34770-0177

Mortgage

Document Number	0000575843
Date	Jul 20, 2020
Instrument	5758/43

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Aug 1, 2051

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 17, 2020
Property Address	4475 CANOE CREEK RD, SAINT CLOUD, FL 34772-9177
Document Number	0056931843
Book / Page	005693 / 001843
Instrument Date	Jan 6, 2020
Instrument	38164
Transaction Type	Transfer
Record Updated	May 22, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 700355 ST CLOUD FL 347700355, ST CLOUD, FL 34770-0355

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 7, 2018
Property Address	4475 CANOE CREEK RD, SAINT CLOUD, FL 34772-9177
Document Number	0053290742
Book / Page	005329 / 000742
Instrument Date	May 2, 2018
Instrument	72342
Transaction Type	Transfer
Record Updated	Jun 11, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$364.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4509 PACKARD AVE S ST CLOUD FL 347728162, ST CLOUD, FL 34772-8162

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,690.00 (+7.36%) Homeowner's exemption	$284,476 (+5.99%)	$398,300 (+6.33%) Land $76,900 Building $321,400
2023	$3,437.00 (+3.84%) Homeowner's exemption	$268,407 (+3%)	$374,600 (+16.99%) Land $59,800 Building $314,800
2022	$3,310.00 Homeowner's exemption	$260,590	$320,200 Land $53,300 Building $266,900

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 68 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	68 in force
Nearby Flood Claims	9 (1997–2020)
Claims Outside the SFHA	5 of 9
Most Recent Claim	Jun 2020 · other causes
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 3 claims

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	High above 82% of the US · above 73% of Florida
Wildfire Likelihood	0.6% annual chance
Exposure	Direct burnable vegetation

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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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