Osceola County property record for 4540 Orchard Grove Rd, Saint Cloud, FL 34772 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2018 |
| Square Footage | 2,026 sqft Living Area |
| Lot Size | 20,908 sqft (0.48 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $275,800 (2018) |
| Tax Bill | $5,547.00 (2025) |
| Primary APN | 19-26-31-0160-0001-7210 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,026 sqft Living Area |
| Gross Area | 2,735 sqft Gross Area |
| 1st Floor | 2,026 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 20,908 sqft (0.48 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 441 sqft Garage |
| Porch Area | 268 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 4540 ORCHARD GROVE RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8962 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | GRAMERCY FARMS PH 7 PB 25 PG 126 LOT 721 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 19 |
| Legal Subdivision | GRAMERCY FARMS PH 7 |
| Legal Phase | 7 |
| Legal Block | 7210 |
| Legal Lot Number | 721 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1003 |
| Census Tract | 43304 |
Source: Osceola County records · APN 19-26-31-0160-0001-7210
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4540 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 16, 2024 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Sep 24, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Feb 27, 2018 | Grant Deed, Transfer · Federal Housing Administration (FHA) Mortgage KBHS HM LNS LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 27, 2018 · Amount on Record |
| Deed Sale | Feb 27, 2018 · Amount on Record |
| Deed Doc Number | 201833585 |
| Deed Book / Page | 5292 / 1586 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4540 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962 |
| Transaction Type | Mortgage |
| Record Updated | Feb 29, 2024 |
| Name | Verified Name |
|---|---|
| Address | 4540 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962 |
| Document Number | 0065510353 |
|---|---|
| Date | Feb 16, 2024 |
| Book Page | 6551/353 |
| Instrument | 2024020976 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | FISHERS, IN 46037 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 332 Months |
| Due | Oct 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4540 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962 |
| Transaction Type | Mortgage |
| Record Updated | Oct 07, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4540 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962 |
| Document Number | 0060502985 |
|---|---|
| Date | Sep 24, 2021 |
| Book Page | 6050/2985 |
| Instrument | 2021148651 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 27, 2018 |
| Property Address | 4540 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962 |
| Document Number | 0052921586 |
| Book / Page | 005292 / 001586 |
| Instrument Date | Feb 26, 2018 |
| Instrument | 33585 |
| Transaction Type | Transfer |
| Record Updated | Mar 26, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,930.53 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 4540 ORCHARD GROVE RD ST CLOUD FL 347728962, ST CLOUD, FL 34772-8962 |
| Document Number | 52921588 |
|---|---|
| Date | Feb 27, 2018 |
| Book Page | 005292/001588 |
| Instrument | 33586 |
| Name | KBHS HM LNS LLC |
|---|---|
| Address | IRVING, TX 75063 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 26, 2048 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 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 | $5,547.00 (+8.38%) Homeowner's exemption | $245,929 (+5.99%) | $345,600 (-0.66%) Land $73,500 Building $272,100 |
| 2023 | $5,118.00 (+2.38%) Homeowner's exemption | $232,038 (+3%) | $347,900 (+15.97%) Land $63,000 Building $284,900 |
| 2022 | $4,999.00 Homeowner's exemption | $225,280 | $300,000 Land $57,800 Building $242,200 |
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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