Osceola County property record for 4542 Orchard Grove Rd, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,375 sqft · built 2018 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on File |
| Last Sale | $330,261 (Aug 2018) |
| Tax Bill | $6,737 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Apr 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 192631016000017220 |
| Primary APN | 192631016000017220 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 3,375 sqft Heated Area |
| Gross Area | 4,020 sqft |
| 1st Floor Area | 1,583 sqft |
| Upper Floors Area | 1,764 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,326 sqft (0.26 acres) |
| Garage Type | Finished |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 148 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 4542 ORCHARD GROVE RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8962 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GRAMERCY FARMS PH 7 PB 25 PG 126 LOT 722 |
| 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 | 722 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 43304 |
Source: Osceola County records · APN 192631016000017220
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 4542 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 21, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Apr 16, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Aug 23, 2018 | Grant Deed, Transfer · FHA Mortgage KBHS HM LNS LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 23, 2018 · Amount on Record |
| Deed Sale | Aug 23, 2018 · Amount on Record |
| Deed Document Number | 2018128746 |
| Deed Book / Page | 5390 / 0210 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4542 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962 |
| Transaction Type | Mortgage |
| Record Updated | Jun 10, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4542 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962 |
| Document Number | 0059631502 |
|---|---|
| Date | May 21, 2021 |
| Book Page | 5963/1502 |
| Instrument | 2021078703 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 245 Months |
| Due | Oct 01, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4542 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0057091289 |
|---|---|
| Date | Apr 16, 2020 |
| Book Page | 5709/1289 |
| Instrument | 2020052538 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 342 Months |
| Due | Oct 01, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 23, 2018 |
| Property Address | 4542 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962 |
| Document Number | 0053900210 |
| Book / Page | 005390 / 000210 |
| Instrument Date | Aug 17, 2018 |
| Instrument | 128746 |
| Transaction Type | Transfer |
| Record Updated | Sep 12, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,311.83 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4542 ORCHARD GROVE RD ST CLOUD FL 347728962, ST CLOUD, FL 34772-8962 |
| Document Number | 53900212 |
|---|---|
| Date | Aug 23, 2018 |
| Book Page | 005390/000212 |
| Instrument | 128747 |
| Name | KBHS HM LNS LLC |
|---|---|
| Address | IRVING, TX 75063 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 22, 2048 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $6,737.00 (+7.83%) Homeowner's exemption | $312,407 (+5.99%) | $484,000 (-1.81%) Land $73,500 Building $410,500 |
| 2023 | $6,248.00 (+4.15%) Homeowner's exemption | $294,761 (+4.99%) | $492,900 (+30.81%) Land $63,000 Building $429,900 |
| 2022 | $5,999.00 Homeowner's exemption | $280,739 | $376,800 Land $57,800 Building $319,000 |
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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