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4520 Orchard Grove Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4520 Orchard Grove Rd, Saint Cloud, FL 34772 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2017
Square Footage1,894 sqft Living Area
Lot Size6,969 sqft (0.16 acres)
GarageAttached, 484 sqft
OccupancyOwner Occupied
Tax Bill$5,319.00 (2025)

Property Details

APN / Parcel Number

Primary APN19-26-31-0160-0001-7110
Alternative APN
  • 263119016000017110

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,894 sqft Living Area
Gross Area2,608 sqft Gross Area
1st Floor1,894 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2017
Effective Year BuiltEffective 2017
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area6,969 sqft (0.16 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area484 sqft Garage
Porch Area230 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address4520 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 711
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionGRAMERCY FARMS PH 7
Legal Phase7
Legal Block7110
Legal Lot Number711
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1003
Census Tract43304

Owner

Source: Osceola County records · APN 19-26-31-0160-0001-7110

Assessment roll updated November 26, 2025 · Last verified August 2026

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 Address4520 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
May 14, 2026Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
FIRST AMERICAN TITLE
Dec 29, 2023Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
VERITAS FUNDING LLC
Aug 14, 2017Grant Deed, Transfer · Federal Housing Administration (FHA) Mortgage
KBHS HM LNS LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 19, 2020
Deed SaleOct 19, 2020
Prior SaleAug 14, 2017 · Amount on Record
Deed Doc Number2020140497
Deed Book / Page5814 / 2351
Prior Transfer DateOct 08, 2020
Prior Transfer Doc0058142351
Record RefreshedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateMay 14, 2026
Property Address4520 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
Document Number0000064298
Book / Page6972 / 428
Instrument DateMay 01, 2026
Instrument202664298
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address4520 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962

Mortgage

Document Number0000064298,
DateMay 14, 2026
Book Page6972/428
Instrument202664298
Lender
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term332 Months
DueJan 01, 2054
Interest
Rate6.46%
Max Rate-1%

December 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4520 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
Transaction TypeMortgage
Record UpdatedJan 25, 2024
Title CompanyELEVATED TITLE LLC, ELEVATED TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address4520 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962

Mortgage

Document Number0065271276
DateDec 29, 2023
Book Page6527/1276
Instrument2023169494
Lender
NameVERITAS FUNDING LLC
TypeLending Institution
AddressMIDVALE, UT 84047
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2054

August 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateAug 14, 2017
Property Address4520 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
Document Number0051940424
Book / Page005194 / 000424
Instrument DateAug 11, 2017
Instrument117332
Transaction TypeTransfer
Record UpdatedDec 14, 2019
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,684.96
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4520 ORCHARD GROVE RD ST CLOUD FL 34772, ST CLOUD, FL 34772

Mortgage

Document Number51940426
DateAug 14, 2017
Book Page005194/000426
Instrument117333
Lender
NameKBHS HM LNS LLC
AddressIRVING, TX 75063
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueAug 13, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026

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$5,319.00 (+5.75%) Homeowner's exemption$233,160 (+5.99%)$329,600 (-0.69%) Land $70,000 Building $259,600
2024$5,030.00 (+2.63%)
2023$4,901.00 (+2.34%) Homeowner's exemption$219,990 (+3%)$331,900 (+16.09%) Land $60,000 Building $271,900
2022$4,789.00 Homeowner's exemption$213,583$285,900 Land $55,000 Building $230,900

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 66% of the US · above 43% of Florida
Wildfire LikelihoodAbout 1 in 347 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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