Osceola County property record for 4521 Orchard Grove Rd, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2018 |
| Square Footage | 1,716 sqft Heated Area |
| Lot Size | 9,583 sqft (0.219 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $230,192 (2018) |
| Tax Bill | $5,192.00 (2025) |
| Primary APN | 192631016000017530 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,716 sqft Heated Area |
| Gross Area | 2,202 sqft Gross Area |
| 1st Floor | 1,716 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 9,583 sqft (0.219 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 441 sqft Garage |
| Fence | Fence |
| Porch | Open Porch |
| Porch Area | 45 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 4521 ORCHARD GROVE RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8963 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | GRAMERCY FARMS PH 7 PB 25 PG 126 LOT 753 |
| 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 | 753 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1009 |
| Census Tract | 43304 |
Source: Osceola County records · APN 192631016000017530
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 | 4521 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 08, 2024 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage LOANCARE LLC |
| Dec 19, 2022 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Jun 07, 2018 | Special Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage 1ST FINANCIAL INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 07, 2018 · Amount on Record |
| Deed Sale | Jun 07, 2018 · Amount on Record |
| Deed Doc Number | 2018088569 |
| Deed Book / Page | 5346 / 2114 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4521 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 4521 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963 |
| Document Number | 0065782248 |
|---|---|
| Date | Apr 08, 2024 |
| Book Page | 6578/2248 |
| Instrument | 2024044711 |
| Name | LOANCARE LLC |
|---|---|
| Type | Mortgage Company |
| Address | 3637 SENTARA WAY, VIRGINIA BEACH, VA 23452 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Apr 01, 2064 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4521 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4521 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963 |
| Document Number | 0063311820 |
|---|---|
| Date | Dec 19, 2022 |
| Book Page | 6331/1820 |
| Instrument | 2022180865 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Dec 01, 2062 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 07, 2018 |
| Property Address | 4521 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963 |
| Document Number | 0053462114 |
| Book / Page | 5346 / 2114 |
| Map Reference | MB25 PG126 |
| Instrument Date | May 31, 2018 |
| Instrument | 2018088569 |
| 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 | $1,611.40 |
| 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 | 4521 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963 |
| Document Number | 2018088570 |
|---|---|
| Date | Jun 07, 2018 |
| Instrument | 2018088570 |
| Name | 1ST FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2048 |
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 | $5,192.00 (+8.62%) Homeowner's exemption | $226,052 (+5.99%) | $315,400 (-0.5%) Land $70,000 Building $245,400 |
| 2023 | $4,780.00 (+2.33%) Homeowner's exemption | $213,284 (+3%) | $317,000 (+15.69%) Land $60,000 Building $257,000 |
| 2022 | $4,671.00 Homeowner's exemption | $207,072 | $274,000 Land $55,000 Building $219,000 |
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 66% of the US · above 43% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 347 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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