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  5. Orchard Grove Rd

4524 Orchard Grove Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4524 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 Footage1,773 sqft Heated Area
Lot Size6,534 sqft (0.15 acres)
OccupancyOwner Occupied
Last Sale$245,000 (2019)
Tax Bill$5,225.00 (2025)

Property Details

APN / Parcel Number

Primary APN192631016000017130

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,773 sqft Heated Area
Gross Area2,504 sqft Gross Area
1st Floor1,773 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 Area6,534 sqft (0.15 acres)
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area441 sqft Garage
FenceFence
PorchOpen Porch
Porch Area290 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address4524 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 713
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionGRAMERCY FARMS PH 4 5 7 8 & 9
Legal Phase7
Legal Tract160
Legal Lot Number713
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1003
Census Tract43304

Owner

Source: Osceola County records · APN 192631016000017130

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 Address4524 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 21, 2023Deed of Trust, Mortgage · Line of Credit
NAVY FCU
Oct 06, 2020Deed of Trust, Mortgage · Veterans Administration Mortgage
MORTGAGE RESEARCH CENTER LLC
Jul 03, 2019Warranty Deed, Transfer · Veterans Administration Mortgage
VETERANS UNITED HM LNS
Jan 02, 2018Special Warranty Deed, Transfer · Conventional Mortgage
ANGEL OAK MORTGAGE SOLUTIONS LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 03, 2019 · Amount on Record
Deed SaleJul 03, 2019 · Amount on Record
Prior SaleJan 02, 2018 · Amount on Record
Deed Doc Number2019086186
Deed Book / Page5551 / 2909
Record RefreshedJun 08, 2026

August 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4524 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
Transaction TypeMortgage
Record UpdatedSep 01, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address4524 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962

Mortgage

Document Number0064610179
DateAug 21, 2023
Book Page6461/179
Instrument2023109639
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeLine of Credit
AmountAmount Recorded
Term480 Months
DueAug 08, 2063
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4524 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
Transaction TypeMortgage
Record UpdatedMay 02, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address4524 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962

Mortgage

Document Number0058071166
DateOct 06, 2020
Book Page5807/1166
Instrument2020134011
Lender
NameMORTGAGE RESEARCH CENTER LLC
TypeMortgage Company
AddressCOLUMBIA, MO 65203
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueOct 01, 2050

July 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 03, 2019
Property Address4524 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
Document Number0055512909
Book / Page005551 / 002909
Instrument DateJun 27, 2019
Instrument86186
Transaction TypeTransfer
Record UpdatedJul 25, 2019
Title CompanyINFINITY TITLE GROUP

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,715.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address4524 ORCHARD GROVE RD ST CLOUD FL 347728962, ST CLOUD, FL 34772-8962

Mortgage

Document Number55512911
DateJul 03, 2019
Book Page005551/002911
Instrument86187
Lender
NameVETERANS UNITED HM LNS
TypeFunding / Finance Company
AddressCOLUMBIA, MO 65203
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueJul 02, 2049

January 2018: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 02, 2018
Property Address4524 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
Document Number0052612936
Book / Page5261 / 2936
Map ReferenceMB25 PG126
Instrument DateDec 28, 2017
Instrument2018000202
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$1,680.70
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address4524 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962

Mortgage

Document Number2018000203
DateJan 02, 2018
Instrument2018000203
Lender
NameANGEL OAK MORTGAGE SOLUTIONS LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 01, 2048

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$5,225.00 (+8.58%) Homeowner's exemption$227,915 (+5.99%)$320,600 (-0.59%) Land $70,000 Building $250,600
2023$4,812.00 (+2.34%) Homeowner's exemption$215,041 (+3%)$322,500 (+15.84%) Land $60,000 Building $262,500
2022$4,702.00 Homeowner's exemption$208,778$278,400 Land $55,000 Building $223,400

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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