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4506 Orchard Grove Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4506 Orchard Grove Rd, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,696 sqft · built 2018
Lot Size0.139 acres (6,098 sqft)
OwnerIndividual Name on File
Last Sale$235,126 (Jun 2018)
Tax Bill$5,169 (2025)
Deeds & MortgagesNov 2020 Loan Modification
Jun 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN192631016000017040

Property Details

APN / Parcel Number

Primary APN192631016000017040

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,696 sqft Heated Area
Gross Area2,202 sqft
1st Floor Area1,696 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2018
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,098 sqft (0.139 acres)
Garage TypeFinished
Garage Area441 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area65 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address4506 ORCHARD GROVE RD
CitySAINT CLOUD
StateFL
Zip34772-8962
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionGRAMERCY FARMS PH 7 PB 25 PG 126 LOT 704
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionGRAMERCY FARMS PH 4 5 7 8 & 9
Legal Phase7
Legal Tract160
Legal Lot Number704
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1003
Census Tract43304

Owner

Source: Osceola County records · APN 192631016000017040

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address4506 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 09, 2020Loan Modification, Mortgage · FHA Mortgage
LAKEVIEW LN SERVICING
Jun 07, 2018Special Warranty Deed, Transfer · FHA Mortgage
1ST FINANCIAL INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 07, 2018 · Amount on Record
Deed SaleJun 07, 2018 · Amount on Record
Deed Document Number2018088365
Deed Book / Page5346 / 1454
Record UpdatedJun 08, 2026

November 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address4506 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
Document Number0058482620
Instrument DateNov 09, 2020
Transaction TypeMortgage
Record UpdatedDec 23, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address4506 ORCHARD GROVE RD ST CLOUD FL 347728962, ST CLOUD, FL 34772-8962

Mortgage

Document Number0058482620
DateDec 10, 2020
Book Page005848/002620
Instrument167859
Lender
NameLAKEVIEW LN SERVICING
TypeFunding / Finance Company
AddressVIRGINIA BEACH, VA 23452
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueDec 09, 2050
Interest
Rate TypeFixed Rate
Rate3%

June 2018: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 07, 2018
Property Address4506 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
Document Number0053461454
Book / Page5346 / 1454
Map ReferenceMB25 PG126
Instrument DateMay 30, 2018
Instrument2018088365
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,646.40
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address9102 SOUTHPARK CENTER LOOP STE 100, 9102, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address4506 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962

Mortgage

Document Number2018088366
DateJun 07, 2018
Instrument2018088366
Lender
Name1ST FINANCIAL INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$5,169.00 (+8.62%) Homeowner's exemption$224,799 (+5.99%)$313,700 (-0.48%) Land $70,000 Building $243,700
2023$4,759.00 (+2.32%) Homeowner's exemption$212,101 (+3%)$315,200 (+15.67%) Land $60,000 Building $255,200
2022$4,651.00 Homeowner's exemption$205,924$272,500 Land $55,000 Building $217,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 59 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies59 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 2017, Hurricane Irma

Wildfire

Wildfire RiskModerate
above 64% of the US · above 40% of Florida
Wildfire LikelihoodAbout 1 in 366 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 381 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber2,000 / 1,000
SpectrumCable1,000 / 1,000

May also be available at this address: Xfinity, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

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