Osceola County property record for 4545 Canoe Creek Rd, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,986 sqft · built 1985 |
| Lot Size | 1.03 acres (45,172 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $255,000 (Apr 2018) |
| Tax Bill | $3,260 (2025) |
| Deeds & Mortgages | Apr 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 89408 |
| Primary APN | 89408 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,986 sqft Heated Area |
| Gross Area | 3,420 sqft |
| 1st Floor Area | 1,584 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 45,172 sqft (1.03 acres) |
| Garage Type | Detached - Finished |
| Garage Area | 720 sqft |
| Parking Spaces | 5 Parking Spaces |
| Pool Area | 512 sqft |
|---|---|
| Porch | Enclosed Porch |
| Porch Area | 610 sqft |
| Deck Area | 448 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 89408 |
|---|---|
| Street Address | 4545 CANOE CREEK RD |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-9126 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OA1A |
| Legal Description | S L & I C PB B PG 37 A PORTION OF LOT 44: BEG 30 FT W & 1,838.69 FT S OF N 1/4 COR, W 338.38 FT, S 10 DEG E 142.08 FT, E |
| Legal Range | 30E |
| Legal Township | 27S |
| Legal Section | 12 |
| Legal Subdivision | SEMINOLE LAND&INV CO |
| Legal Tract | U |
| Legal Block | 1 |
| Legal Lot Number | 44 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 43205 |
4545 Canoe Creek Rd is owned and occupied by two individuals who bought it in April 2018.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 4545 CANOE CREEK RD, SAINT CLOUD, FL 34772-9126 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 5, 2018 · Amount on File |
| Deed Sale | Apr 5, 2018 · Amount on File |
| Deed Document Number | 0005315835 |
| Deed Book / Page | 01519 / 02659 |
| Prior Transfer Date | Jul 28, 1998 |
| Prior Transfer Doc | 0151902659 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4545 CANOE CREEK RD, SAINT CLOUD, FL 34772-9126 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0053150836 |
|---|---|
| Date | Apr 11, 2018 |
| Book Page | 5315/0836 |
| Instrument | 2018057011 |
| Name | HAMILTON GROUP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT LAUDERDALE, FL 33323 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2048 |
The 2025 property tax bill for 4545 Canoe Creek Rd was $3,260 with a homeowner's exemption.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,260.00 Homeowner's exemption | $224,758 | $337,900 Land $60,000 Building $277,900 |
| 2023 | $3,022.00 (+4.5%) Homeowner's exemption | $212,063 (+3%) | $319,300 (+13.35%) Land $50,000 Building $269,300 |
| 2022 | $2,892.00 Homeowner's exemption | $205,887 | $281,700 Land $50,000 Building $231,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4545 Canoe Creek Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 68 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 68 in force |
| Nearby Flood Claims | 9 (1997–2020) |
| Claims Outside the SFHA | 5 of 9 |
| Most Recent Claim | Jun 2020 · other causes |
| Claims by Event |
|
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 risk around 4545 Canoe Creek Rd is high, ranking above 78% of the US, with a 0.6% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 78% of the US · above 66% of Florida |
|---|---|
| Wildfire Likelihood | 0.6% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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