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4536 Orchard Grove Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4536 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)
GarageFinished, 441 sqft
Last Sale$390,000 (2024)
Tax Bill$7,539.00 (2025)

Property Details

APN / Parcel Number

Primary APN192631016000017190

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,773 sqft Heated Area
Gross Area2,284 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
PorchOpen Porch
Porch Area70 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address4536 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 719
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionGRAMERCY FARMS PH 4 5 7 8 & 9
Legal Phase7
Legal Tract160
Legal Lot Number719
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1003
Census Tract43304

Owner

Source: Osceola County records · APN 192631016000017190

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 Address117 PINEYWOODS ST, SAINT CLOUD, FL 34772-7885
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Sep 08, 2021Deed of Trust, Mortgage · Conventional Mortgage
T2 FINANCIAL LLC
Dec 04, 2017Special Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 06, 2024 · Amount on Record
Deed SaleAug 06, 2024 · Amount on Record
Prior SaleDec 04, 2017 · Amount on Record
Deed Doc Number2024101573
Deed Book / Page6645 / 1296
Record RefreshedJun 08, 2026

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4536 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
Transaction TypeMortgage
Record UpdatedSep 24, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address4536 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962

Mortgage

Document Number0060390321
DateSep 08, 2021
Book Page6039/321
Instrument2021139330
Lender
NameT2 FINANCIAL LLC
TypeNon-Lending Institution
AddressWESTERVILLE, OH 43082
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 01, 2051

December 2017: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 04, 2017
Property Address4536 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
Document Number0052472405
Book / Page5247 / 2405
Map ReferenceMB25 PG126
Instrument DateNov 30, 2017
Instrument2017171537
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$1,615.60
Amount AccuracyFull Amount Stated
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
Address4536 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962

Mortgage

Document Number2017171538
DateDec 04, 2017
Instrument2017171538
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueDec 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$7,539.00 (+59.76%)$314,100 (+49.66%) Land $70,000 Building $244,100$314,100 (-0.48%) Land $70,000 Building $244,100
2023$4,719.00 (+2.32%) Homeowner's exemption$209,877 (+3%)$315,600 (+15.94%) Land $60,000 Building $255,600
2022$4,612.00 Homeowner's exemption$203,765$272,200 Land $55,000 Building $217,200

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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