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  5. Orchard Grove Rd

4518 Orchard Grove Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4518 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 Footage1,894 sqft Heated Area
Lot Size10,454 sqft (0.239 acres)
OccupancyOwner Occupied
Last Sale$255,200 (2017)
Tax Bill$5,290.00 (2025)

Property Details

APN / Parcel Number

Primary APN192631016000017100

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,894 sqft Heated Area
Gross Area2,608 sqft Gross Area
1st Floor1,894 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 Area10,454 sqft (0.239 acres)
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area484 sqft Garage
PorchOpen Porch
Porch Area230 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address4518 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 710
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionGRAMERCY FARMS PH 4 5 7 8 & 9
Legal Phase7
Legal Tract160
Legal Lot Number710
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1003
Census Tract43304

Owner

Source: Osceola County records · APN 192631016000017100

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 Record2 Individual Names on File
Mailing Address4518 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Aug 02, 2023Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
NATIONSTAR MORTGAGE LLC
Dec 26, 2019Loan Modification, Mortgage · Federal Housing Administration (FHA) Mortgage
LAKEVIEW LN SERVICING
Dec 27, 2017Grant Deed, Transfer · Federal Housing Administration (FHA) Mortgage
KBHS HM LNS LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 27, 2017 · Amount on Record
Deed SaleDec 27, 2017 · Amount on Record
Deed Doc Number2017183065
Deed Book / Page5259 / 0811
Record RefreshedJun 08, 2026

August 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4518 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
Transaction TypeMortgage
Record UpdatedAug 15, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address4518 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962

Mortgage

Document Number0064501319
DateAug 02, 2023
Book Page6450/1319
Instrument2023099816
Lender
NameNATIONSTAR MORTGAGE LLC
TypeMortgage Company
AddressCOPPELL, TX 75019
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term317 Months
DueJan 01, 2050

December 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address4518 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
Document Number0056640460
Instrument DateDec 26, 2019
Transaction TypeMortgage
Record UpdatedFeb 17, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
Address4518 ORCHARD GROVE RD ST CLOUD FL 347728962, ST CLOUD, FL 34772-8962

Mortgage

Document Number0056640460
DateJan 27, 2020
Book Page005664/000460
Instrument12857
Lender
NameLAKEVIEW LN SERVICING
TypeFunding / Finance Company
AddressVIRGINIA BEACH, VA 23452
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueJan 26, 2050
Interest
Rate TypeFixed Rate
Rate3.75%

December 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateDec 27, 2017
Property Address4518 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
Document Number0052590811
Book / Page005259 / 000811
Instrument DateDec 22, 2017
Instrument183065
Transaction TypeTransfer
Record UpdatedFeb 17, 2020
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,786.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address338 PARKLAND CIR #101 KISSIMMEE FL 347444587, 101, KISSIMMEE, FL 34744-4587

Mortgage

Document Number52590813
DateDec 27, 2017
Book Page005259/000813
Instrument183066
Lender
NameKBHS HM LNS LLC
AddressIRVING, TX 75063
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueDec 26, 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$5,290.00 (+8.54%) Homeowner's exemption$231,564 (+5.99%)$327,400 (-0.64%) Land $70,000 Building $257,400
2023$4,874.00 (+2.35%) Homeowner's exemption$218,484 (+3%)$329,500 (+16.06%) Land $60,000 Building $269,500
2022$4,762.00 Homeowner's exemption$212,121$283,900 Land $55,000 Building $228,900

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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