Osceola County property record for 4525 Orchard Grove Rd, Saint Cloud, FL 34772 · Last verified January 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,707 sqft · built 2017 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on File |
| Last Sale | $355,000 (Dec 2025) |
| Tax Bill | $5,461 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Dec 2025 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 192631016000017510 |
| Primary APN | 192631016000017510 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,707 sqft Heated Area |
| Gross Area | 2,173 sqft |
| 1st Floor Area | 1,707 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,970 sqft (0.16 acres) |
| Garage Type | Finished |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 25 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4525 ORCHARD GROVE RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8963 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GRAMERCY FARMS PH 7 PB 25 PG 126 LOT 751 |
| 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 | 751 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 43304 |
Source: Osceola County records · APN 192631016000017510
Assessment roll updated July 1, 2025 · Last verified January 2026
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 | 4525 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 30, 2021 | Deed of Trust, Mortgage · FHA Mortgage COMMERCE HOME MORTGAGE LLC |
| Dec 31, 2025 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| May 30, 2018 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Mar 06, 2020 | Warranty Deed, Transfer · FHA Mortgage ROYAL PACIFIC FNDG |
| Aug 01, 2017 | Grant Deed, Transfer · FHA Mortgage KBHS HM LNS LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 31, 2025 · Amount on Record |
| Deed Sale | Dec 31, 2025 · Amount on Record |
| Prior Sale | Mar 05, 2020 · Amount on Record |
| Deed Document Number | 2025159120 |
| Deed Book / Page | 6901 / 737 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4525 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Title Company | FLORIDA TITLE PROS, FLORIDA TITLEPROS |
| Name | Verified Name |
|---|---|
| Address | 4525 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963 |
| Document Number | 0059480404 |
|---|---|
| Date | Apr 30, 2021 |
| Book Page | 5948/404 |
| Instrument | 2021066245 |
| Name | COMMERCE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92606 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 31, 2025 |
| Property Address | 4525 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963 |
| Document Number | 0069010737 |
| Book / Page | 6901 / 737 |
| Map Reference | MB 25 PG 126 |
| Instrument Date | Dec 29, 2025 |
| Instrument | 2025159120 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | FLORIDA TITLE PROS, FLORIDA TITLEPROS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,485.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4525 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963 |
| Name | Verified Name |
|---|---|
| Address | 4525 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963 |
| Document Number | 0006901739 |
|---|---|
| Date | Dec 31, 2025 |
| Instrument | 6901/739 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4525 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0053411298 |
|---|---|
| Date | May 30, 2018 |
| Book Page | 5341/1298 |
| Instrument | 2018083758 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 355 Months |
| Due | Dec 01, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 06, 2020 |
| Property Address | 4525 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963 |
| Document Number | 0056870182 |
| Book / Page | 005687 / 000182 |
| Instrument Date | Feb 28, 2020 |
| Instrument | 32923 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2020 |
| Title Company | GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TR |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,715.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4525 ORCHARD GROVE RD ST CLOUD FL 347728963, ST CLOUD, FL 34772-8963 |
| Document Number | 56870184 |
|---|---|
| Date | Mar 06, 2020 |
| Book Page | 005687/000184 |
| Instrument | 32924 |
| Name | ROYAL PACIFIC FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | COSTA MESA, CA 92626 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 05, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 01, 2017 |
| Property Address | 4525 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963 |
| Document Number | 0051870267 |
| Book / Page | 005187 / 000267 |
| Instrument Date | Jul 28, 2017 |
| Instrument | 110538 |
| Transaction Type | Transfer |
| Record Updated | Nov 14, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,453.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4525 ORCHARD GROVE RD ST CLOUD FL 34772, ST CLOUD, FL 34772 |
| Document Number | 51870269 |
|---|---|
| Date | Aug 01, 2017 |
| Book Page | 005187/000269 |
| Instrument | 110539 |
| Name | KBHS HM LNS LLC |
|---|---|
| Address | IRVING, TX 75063 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 31, 2047 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified January 2026
| 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 | $5,461.00 (+8.44%) Homeowner's exemption | $241,073 (+5.99%) | $308,300 (-0.39%) Land $70,000 Building $238,300 |
| 2023 | $5,036.00 (+2.38%) Homeowner's exemption | $227,456 (+3%) | $309,500 (+15.92%) Land $60,000 Building $249,500 |
| 2022 | $4,919.00 Homeowner's exemption | $220,832 | $267,000 Land $55,000 Building $212,000 |
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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