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4522 Orchard Grove Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4522 Orchard Grove Rd, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,707 sqft · built 2017
Lot Size0.15 acres (6,534 sqft)
Owner2 Individual Names on File
Last Sale$232,284 (Aug 2017)
Tax Bill$5,150 (2025)
Deeds & MortgagesNov 2022 Mortgage
Aug 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN192631016000017120

Property Details

APN / Parcel Number

Primary APN192631016000017120

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,707 sqft Heated Area
Gross Area2,383 sqft
1st Floor Area1,707 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2017
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,534 sqft (0.15 acres)
Garage TypeFinished
Garage Area441 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area235 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address4522 ORCHARD GROVE RD
CitySAINT CLOUD
StateFL
Zip34772-8962
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionGRAMERCY FARMS PH 7 PB 25 PG 126 LOT 712
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionGRAMERCY FARMS PH 4 5 7 8 & 9
Legal Phase7
Legal Tract160
Legal Lot Number712
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1003
Census Tract43304

Owner

Source: Osceola County records · APN 192631016000017120

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 Address4522 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 23, 2022Deed of Trust, Mortgage · FHA Mortgage
DEPARTMENT OF HOUSING & URBAN DEV
Aug 22, 2017Grant Deed, Transfer · FHA Mortgage
KBHS HM LNS LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 22, 2017 · Amount on Record
Deed SaleAug 22, 2017 · Amount on Record
Deed Document Number2017121345
Deed Book / Page5197 / 2954
Record UpdatedJun 08, 2026

November 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4522 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
Transaction TypeMortgage
Record UpdatedDec 13, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address4522 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962

Mortgage

Document Number0063192878
DateNov 23, 2022
Book Page6319/2878
Instrument2022169998
Lender
NameDEPARTMENT OF HOUSING & URBAN DEV
TypeGovernment Agency
AddressWASHINGTON, DC 20410
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term480 Months
DueNov 01, 2062

August 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateAug 22, 2017
Property Address4522 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
Document Number0051972954
Book / Page005197 / 002954
Instrument DateAug 18, 2017
Instrument121345
Transaction TypeTransfer
Record UpdatedNov 14, 2017
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,625.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4522 ORCHARD GROVE RD ST CLOUD FL 34772, ST CLOUD, FL 34772

Mortgage

Document Number51972956
DateAug 22, 2017
Book Page005197/002956
Instrument121346
Lender
NameKBHS HM LNS LLC
AddressIRVING, TX 75063
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 21, 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$5,150.00 (+8.63%) Homeowner's exemption$223,704 (+5.99%)$314,500 (-0.51%) Land $70,000 Building $244,500
2023$4,741.00 (+2.33%) Homeowner's exemption$211,068 (+3%)$316,100 (+15.83%) Land $60,000 Building $256,100
2022$4,633.00 Homeowner's exemption$204,921$272,900 Land $55,000 Building $217,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 59 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies59 in force
54 of 59 on primary residences
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 2017, Hurricane Irma

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

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