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4523 Orchard Grove Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4523 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 Size6,970 sqft (0.16 acres)
OccupancyOwner Occupied
Last Sale$242,100 (2017)
Tax Bill$5,331.00 (2025)

Property Details

APN / Parcel Number

Primary APN192631016000017520

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,894 sqft Heated Area
Gross Area2,508 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 Area6,970 sqft (0.16 acres)
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area484 sqft Garage
FenceFence
PorchOpen Porch
Porch Area130 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address4523 ORCHARD GROVE RD
CitySAINT CLOUD
StateFL
Zip34772-8963
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionGRAMERCY FARMS PH 7 PB 25 PG 126 LOT 752
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionGRAMERCY FARMS PH 4 5 7 8 & 9
Legal Phase7
Legal Tract160
Legal Lot Number752
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1009
Census Tract43304

Owner

Source: Osceola County records · APN 192631016000017520

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-ownerVerified Secondary Owner
Mailing Address4523 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Apr 12, 2022Deed of Trust, Mortgage · Conventional Mortgage
PENNYMAC LOAN SERVICES LLC
Aug 07, 2017Special Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 07, 2017 · Amount on Record
Deed SaleAug 07, 2017 · Amount on Record
Deed Doc Number0051901168
Deed Book / Page5190 / 1168
Record RefreshedJun 08, 2026

April 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4523 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963
Transaction TypeMortgage
Record UpdatedApr 26, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address4523 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963

Mortgage

Document Number0061921082
DateApr 12, 2022
Book Page6192/1082
Instrument2022058040
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2052

August 2017: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 07, 2017
Property Address4523 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963
Document Number0051901168
Book / Page5190 / 1168
Map ReferenceMB25 PG126
Instrument DateAug 07, 2017
Instrument2017113494
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyFIRST AMERICAN TITLE INS CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,694.70
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address9102 SOUTHPARK CENTER LOOP STE 100, 9102, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address4523 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963

Mortgage

Document Number0051901170
DateAug 07, 2017
Instrument5190/1170
Lender
NameWATERSTONE MORTGAGE CORP
TypeLending Institution
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 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$5,331.00 (+8.51%) Homeowner's exemption$233,845 (+5.99%)$328,700 (-0.69%) Land $70,000 Building $258,700
2023$4,913.00 (+2.35%) Homeowner's exemption$220,636 (+3%)$331,000 (+15.82%) Land $60,000 Building $271,000
2022$4,800.00 Homeowner's exemption$214,210$285,800 Land $55,000 Building $230,800

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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