Osceola County property record for 4508 Orchard Grove Rd, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,894 sqft · built 2017 |
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $222,200 (Aug 2017) |
| Tax Bill | $7,865 (2025) |
| Deeds & Mortgages | Feb 2023 Mortgage Aug 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 192631016000017050 |
| Primary APN | 192631016000017050 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,894 sqft Heated Area |
| Gross Area | 2,408 sqft |
| 1st Floor Area | 1,894 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.139 acres) |
| Garage Type | Finished |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 30 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4508 ORCHARD GROVE RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8962 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GRAMERCY FARMS PH 7 PB 25 PG 126 LOT 705 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 19 |
| Legal Subdivision | GRAMERCY FARMS PH 4 5 7 8 & 9 |
| Legal Phase | 7 |
| Legal Tract | 160 |
| Legal Lot Number | 705 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 43304 |
Source: Osceola County records · APN 192631016000017050
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 4508 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 15, 2023 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Aug 09, 2017 | Special Warranty Deed, Transfer · FHA Mortgage FBC MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 09, 2017 · Amount on Record |
| Deed Sale | Aug 09, 2017 · Amount on Record |
| Deed Document Number | 0005192302 |
| Deed Book / Page | 5192 / 302 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4508 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962 |
| Transaction Type | Mortgage |
| Record Updated | Mar 07, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4508 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962 |
| Document Number | 0063582206 |
|---|---|
| Date | Feb 15, 2023 |
| Book Page | 6358/2206 |
| Instrument | 2023018652 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 295 Months |
| Due | Sep 01, 2047 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 09, 2017 |
| Property Address | 4508 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962 |
| Document Number | 0051920302 |
| Book / Page | 5192 / 0302 |
| Map Reference | MB25 PG126 |
| Instrument Date | Aug 09, 2017 |
| Instrument | 2017115027 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,555.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9102 SOUTHPARK CENTER LOOP STE 100, 9102, ORLANDO, FL 32819-8626 |
| Name | Verified Name |
|---|---|
| Address | 4508 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962 |
| Document Number | 0051920304 |
|---|---|
| Date | Aug 09, 2017 |
| Instrument | 5192/0304 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2047 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $7,865.00 (+5.44%) Homeowner's exemption | $231,069 (+5.99%) | $326,000 (-0.61%) Land $70,000 Building $256,000 |
| 2023 | $7,459.00 (+1.51%) Homeowner's exemption | $218,017 (+3%) | $328,000 (+15.94%) Land $60,000 Building $268,000 |
| 2022 | $7,348.00 Homeowner's exemption | $211,667 | $282,900 Land $55,000 Building $227,900 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 64% of the US · above 40% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 366 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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