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4528 Orchard Grove Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4528 Orchard Grove Rd, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,773 sqft · built 2017
Lot Size0.15 acres (6,534 sqft)
Owner2 Individual Names on File
Last Sale$239,941 (Nov 2017)
Tax Bill$5,221 (2025)
Deeds & MortgagesNov 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN192631016000017150

Property Details

APN / Parcel Number

Primary APN192631016000017150

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,773 sqft Heated Area
Gross Area2,384 sqft
1st Floor Area1,773 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 Area170 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address4528 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 715
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionGRAMERCY FARMS PH 4 5 7 8 & 9
Legal Phase7
Legal Tract160
Legal Lot Number715
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1003
Census Tract43304

Owner

Source: Osceola County assessment roll, as of July 1, 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 Address4528 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 1, 2017 · Amount on Record
Deed SaleNov 1, 2017 · Amount on Record
Deed Document Number2017156531
Deed Book / Page5233 / 0579
Record UpdatedJun 8, 2026

November 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateNov 1, 2017
Property Address4528 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
Document Number0052330579
Book / Page005233 / 000579
Instrument DateOct 31, 2017
Instrument156531
Transaction TypeTransfer
Record UpdatedNov 29, 2017
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,679.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address4528 ORCHARD GROVE RD ST CLOUD FL 347728962, ST CLOUD, FL 34772-8962

Mortgage

Document Number52330587
DateNov 1, 2017
Book Page005233/000587
Instrument156534
Lender
NameKBHS HM LNS LLC
AddressIRVING, TX 75063
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 31, 2047

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,221.00 (+8.59%) Homeowner's exemption$227,686 (+5.99%)$319,100 (-0.59%) Land $70,000 Building $249,100
2023$4,808.00 (+2.34%) Homeowner's exemption$214,826 (+3%)$321,000 (+15.72%) Land $60,000 Building $261,000
2022$4,698.00 Homeowner's exemption$208,569$277,400 Land $55,000 Building $222,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 59 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies59 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 2017 · Hurricane Irma

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 65% of the US · above 43% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 381 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Lumen Technologies
Fiber		2,000 / 1,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000

May also be available: Xfinity.

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