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4527 Orchard Grove Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4527 Orchard Grove Rd, Saint Cloud, FL 34772 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details5 bd · 2.5 ba · 2,561 sqft · built 2017
Lot Size0.16 acres (6,969 sqft)
Owner2 Individual Names on File
Last Sale$395,000 (Sep 2022)
Tax Bill$7,740 (2025)
Deeds & MortgagesSep 2022 Sale & Mortgage
Nov 2019 Loan Modification
+ 2 more
Flood ZoneZone X (minimal risk)
APN19-26-31-0160-0001-7500

Property Details

APN / Parcel Number

Primary APN19-26-31-0160-0001-7500
Alternative APN
  • 263119016000017500

Interior

Bedrooms5 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,561 sqft Living Area
Gross Area3,042 sqft
1st Floor Area1,095 sqft
Upper Floors Area1,466 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2017
Effective Year BuiltEffective 2017
Architectural StyleL-Shape
Exterior MaterialConcrete Block
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,969 sqft (0.16 acres)
Garage TypeAttached
Garage Area441 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area40 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address4527 ORCHARD GROVE RD
CitySAINT CLOUD
StateFL
Zip34772-8963
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionGRAMERCY FARMS PH 7 PB 25 PG 126 LOT 750
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionGRAMERCY FARMS PH 7
Legal Phase7
Legal Block7500
Legal Lot Number750
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1009
Census Tract43304

Owner

Source: Osceola County records · APN 19-26-31-0160-0001-7500

Assessment roll updated November 26, 2025 · Last verified July 2026

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 Address280 MILFORD ST, 2B, BROOKLYN, NY 11208-2459
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Sep 27, 2022Warranty Deed, Transfer · Conventional Mortgage
AMERICAN FINANCIAL NETWORK INC
Nov 13, 2019Loan Modification, Mortgage · FHA Mortgage
LAKEVIEW LN SERVICING
Nov 12, 2019Deed of Trust, Mortgage · FHA Mortgage
HUD-HOUSING/URBAN DEV
Aug 25, 2017Grant Deed, Transfer · FHA Mortgage
KBHS HM LNS LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 27, 2022 · Amount on Record
Deed SaleSep 27, 2022 · Amount on Record
Prior SaleAug 25, 2017 · Amount on Record
Deed Document Number2022145527
Deed Book / Page6292 / 596
Record UpdatedSep 20, 2026

September 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 27, 2022
Property Address4527 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963
Document Number0062920596
Book / Page6292 / 596
Map ReferenceMB 25 PG 126
Instrument DateAug 31, 2022
Instrument2022145527
Transaction TypeTransfer
Record UpdatedOct 20, 2022
Title CompanyYOUR TITLE CONNECTION LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,765.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressHC 5 BOX 5976, 5976, PR

Transferred To (Grantee/Buyer)

NameVerified Name
Address280 MILFORD ST APT 2B, 2B, BROOKLYN, NY 11208-2459

Mortgage

Document Number0006292598
DateSep 27, 2022
Instrument6292/598
Lender
NameAMERICAN FINANCIAL NETWORK INC
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 01, 2052

November 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address4527 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963
Document Number0056471213
Instrument DateNov 13, 2019
Transaction TypeMortgage
Record UpdatedJan 16, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address4527 ORCHARD GROVE RD ST CLOUD FL 347728963, ST CLOUD, FL 34772-8963

Mortgage

Document Number0056471213
DateDec 26, 2019
Book Page005647/001213
Instrument167397
Lender
NameLAKEVIEW LN SERVICING
TypeFunding / Finance Company
AddressVIRGINIA BEACH, VA 23452
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term12 Months
DueDec 25, 2020
Interest
Rate TypeFixed Rate
Rate4%

November 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4527 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963
Document Number0056471221
Instrument DateNov 12, 2019
Transaction TypeMortgage
Record UpdatedJan 16, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address4527 ORCHARD GROVE RD ST CLOUD FL 347728963, ST CLOUD, FL 34772-8963

Mortgage

Document Number0056471221
DateDec 26, 2019
Book Page005647/001221
Instrument167398
Lender
NameHUD-HOUSING/URBAN DEV
Address451 7TH ST SW, WASHINGTON, DC 20410-0001
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueDec 25, 2049

August 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateAug 25, 2017
Property Address4527 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963
Document Number0051992683
Book / Page005199 / 002683
Instrument DateAug 23, 2017
Instrument123156
Transaction TypeTransfer
Record UpdatedJan 16, 2020
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,725.82
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4527 ORCHARD GROVE RD ST CLOUD FL 34772, ST CLOUD, FL 34772

Mortgage

Document Number51992685
DateAug 25, 2017
Book Page005199/002685
Instrument123157
Lender
NameKBHS HM LNS LLC
AddressIRVING, TX 75063
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 24, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026

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$7,740.00 (-7.54%) Homeowner's exemption$368,400 (-0.51%) Land $70,000 Building $298,400$368,400 (-0.51%) Land $70,000 Building $298,400
2023$8,371.00 (+60.55%)$370,300 (+56.12%) Land $60,000 Building $310,300$370,300 (+16.23%) Land $60,000 Building $310,300
2022$5,214.00 Homeowner's exemption$237,187$318,600 Land $55,000 Building $263,600

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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