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4510 Orchard Grove Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4510 Orchard Grove Rd, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 2017
Square Footage1,707 sqft Heated Area
Lot Size6,098 sqft (0.139 acres)
OccupancyOwner Occupied
Last Sale$385,000 (2023)
Tax Bill$6,683.00 (2025)

Property Details

APN / Parcel Number

Primary APN192631016000017060

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area1,707 sqft Heated Area
Gross Area2,273 sqft Gross Area
1st Floor1,707 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2017
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area6,098 sqft (0.139 acres)
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area441 sqft Garage

Exterior Amenities

FenceFence
Patio Area462 sqft Patio
PorchOpen Porch
Porch Area125 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address4510 ORCHARD GROVE RD
CitySAINT CLOUD
StateFL
Zip34772-8962
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionGRAMERCY FARMS PH 7 PB 25 PG 126 LOT 706
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionGRAMERCY FARMS PH 4 5 7 8 & 9
Legal Phase7
Legal Tract160
Legal Lot Number706
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1003
Census Tract43304

Owner

Source: Osceola County records · APN 192631016000017060

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 Address4510 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Dec 28, 2023Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
UNITED WHOLESALE MORTGAGE
Feb 28, 2020Loan Modification, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI)
NEW AMERICAN FNDG
Oct 06, 2017Special Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
NEW AMERICAN FUNDING

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 28, 2023 · Amount on Record
Deed SaleDec 28, 2023 · Amount on Record
Prior SaleOct 06, 2017 · Amount on Record
Deed Doc Number2023168343
Deed Book / Page6525 / 2785
Record RefreshedJun 08, 2026

December 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 28, 2023
Property Address4510 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
Document Number0065252785
Book / Page6525 / 2785
Map ReferenceMB 25 PG 126
Instrument DateDec 26, 2023
Instrument2023168343
Transaction TypeTransfer
Record UpdatedJan 16, 2024
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,695.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address4510 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962

Transferred To (Grantee/Buyer)

NameVerified Name
Address4510 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962

Mortgage

Document Number0065252787
DateDec 28, 2023
Instrument6525/2787
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2054

February 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address4510 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
Document Number0057020811
Instrument DateFeb 28, 2020
Transaction TypeMortgage
Record UpdatedJun 08, 2020
Title CompanySERVICELINK LOAN MOD SOLUTIONS, SERVICELINK LN MOD SOLUTIONS

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address4510 ORCHARD GROVE RD ST CLOUD FL 347728962, ST CLOUD, FL 34772-8962

Mortgage

Document Number0057020811
DateApr 01, 2020
Book Page005702/000811
Instrument45815
Lender
NameNEW AMERICAN FNDG
TypeFunding / Finance Company
AddressAUSTIN, TX 78717
Agreement
TypeConventional Mortgage with Private Mortgage Insurance (PMI)
AmountAmount Recorded
Term360 Months
DueMar 31, 2050
Interest
Rate3.75%

October 2017: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 06, 2017
Property Address4510 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
Document Number0052192024
Book / Page5219 / 2024
Map ReferenceMB25 PG126
Instrument DateSep 29, 2017
Instrument2017143046
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyFIRST AMERICAN TITLE INS CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,507.10
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

NameVerified Name
Address4510 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962

Mortgage

Document Number0052192026
DateOct 06, 2017
Instrument5219/2026
Lender
NameNEW AMERICAN FUNDING
TypeLending Institution
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueOct 01, 2047

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$6,683.00 (+46.52%) Homeowner's exemption Disabled Person's exemption$314,400 (+56.36%) Land $70,000 Building $244,400$314,400 (+0.67%) Land $70,000 Building $244,400
2023$4,561.00 (+2.31%) Homeowner's exemption$201,078 (+3%)$312,300 (+15.75%) Land $60,000 Building $252,300
2022$4,458.00 Homeowner's exemption$195,222$269,800 Land $55,000 Building $214,800

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

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; lenders make the official flood determination.

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