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4514 Orchard Grove Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4514 Orchard Grove Rd, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2017
Square Footage1,707 sqft Heated Area
Lot Size11,326 sqft (0.26 acres)
OccupancyOwner Occupied
Last Sale$260,000 (2020)
Tax Bill$5,471.00 (2025)

Property Details

APN / Parcel Number

Primary APN192631016000017080

Interior

Bedrooms3 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 Area11,326 sqft (0.26 acres)
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area441 sqft Garage
PorchOpen Porch
Porch Area125 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address4514 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 708
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionGRAMERCY FARMS PH 4 5 7 8 & 9
Legal Phase7
Legal Tract160
Legal Lot Number708
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1003
Census Tract43304

Owner

Source: Osceola County records · APN 192631016000017080

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-owner2 Verified Secondary Owners
Mailing Address4514 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jan 23, 2023Deed of Trust, Mortgage · Line of Credit
SEACOAST NATIONAL BANK
Dec 03, 2020Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 01, 2017Grant Deed, Transfer · Federal Housing Administration (FHA) Mortgage
KBHS HM LNS LLC

Assessor's Deed Record

Deed Names4 Verified Names on Deed
Last SaleDec 03, 2020 · Amount on Record
Deed SaleDec 03, 2020 · Amount on Record
Prior SaleAug 01, 2017 · Amount on Record
Deed Doc Number2020164650
Deed Book / Page5844 / 1920
Record RefreshedJun 08, 2026

January 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4514 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
Transaction TypeMortgage
Record UpdatedFeb 06, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address4514 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962

Mortgage

Document Number0063471869
DateJan 23, 2023
Book Page6347/1869
Instrument2023008188
Lender
NameSEACOAST NATIONAL BANK
TypeBank
AddressSTUART, FL 34994
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJan 13, 2053
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 03, 2020
Property Address4514 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
Document Number0058441920
Book / Page5844 / 1920
Map ReferenceMB 25 PG 126
Instrument DateNov 30, 2020
Instrument2020164650
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanySTEWART TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,820.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address267 REESE CT, 267, SAINT CLOUD, FL 34769-5319

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address4514 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
InvestorPossibly a Property Investor

Mortgage

Document Number0058441921
DateDec 03, 2020
Instrument5844/1921
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueDec 01, 2050

August 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateAug 01, 2017
Property Address4514 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
Document Number0051870300
Book / Page005187 / 000300
Instrument DateJul 28, 2017
Instrument110548
Transaction TypeTransfer
Record UpdatedNov 14, 2017
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,556.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4514 ORCHARD GROVE RD ST CLOUD FL 34772, ST CLOUD, FL 34772

Mortgage

Document Number51870302
DateAug 01, 2017
Book Page005187/000302
Instrument110549
Lender
NameKBHS HM LNS LLC
AddressIRVING, TX 75063
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueJul 31, 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$5,471.00 (+8.44%) Homeowner's exemption$241,635 (+5.99%)$309,100 (-0.39%) Land $70,000 Building $239,100
2023$5,045.00 (+2.35%) Homeowner's exemption$227,987 (+3%)$310,300 (+15.91%) Land $60,000 Building $250,300
2022$4,929.00 Homeowner's exemption$221,347$267,700 Land $55,000 Building $212,700

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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