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  5. Orchard Grove Rd

4545 Orchard Grove Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4545 Orchard Grove Rd, Saint Cloud, FL 34772 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 2018
Square Footage1,894 sqft Living Area
Lot Size5,662 sqft (0.13 acres)
GarageAttached, 484 sqft
Last Sale$345,000 (2021)
Tax Bill$7,609.00 (2024)

Property Details

APN / Parcel Number

Primary APN19-26-31-0160-0001-7440
Alternative APN
  • 263119016000017440

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area1,894 sqft Living Area
Gross Area2,408 sqft Gross Area
1st Floor1,894 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2018
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area5,662 sqft (0.13 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area484 sqft Garage
Porch Area30 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address4545 ORCHARD GROVE RD
CitySAINT CLOUD
StateFL
Zip34772-8963
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionGRAMERCY FARMS PH 7 PB 25 PG 126 LOT 744
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionGRAMERCY FARMS PH 7
Legal Phase7
Legal Block7440
Legal Lot Number744
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1009
Census Tract43304

Owner

Source: Osceola County records · APN 19-26-31-0160-0001-7440

Assessment roll updated November 26, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on File
Mailing AddressPO BOX 4090, SCOTTSDALE, AZ 85261-4090
Owner TypeOwner is a Company

Deeds, Mortgages & Sale History

DateDocument
Jul 27, 2022Deed of Trust, Mortgage · Commercial Mortgage
GERMAN AMERICAN CAPITAL CORPORATION
Jul 12, 2022Warranty Deed, Transfer
SELENE TITLE LLC
Dec 20, 2021Warranty Deed, Transfer
OS NATIONAL LLC
Mar 04, 2021Deed of Trust, Mortgage · Veterans Administration Mortgage
AAFMAA MORTGAGE LLC
Feb 13, 2018Grant Deed, Transfer · Veterans Administration Mortgage
KBHS HM LNS LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 20, 2021 · Amount on Record
Deed SaleDec 20, 2021 · Amount on Record
Prior SaleFeb 13, 2018 · Amount on Record
Deed Doc Number2021195647
Deed Book / Page6111 / 936
Record RefreshedJun 08, 2026

July 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4545 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963
Transaction TypeMortgage
Record UpdatedAug 09, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0062581275
DateJul 27, 2022
Book Page6258/1275
Instrument2022115143
Lender
NameGERMAN AMERICAN CAPITAL CORPORATION
TypeNon-Lending Institution
AddressNEW YORK, NY 10019
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

July 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 12, 2022
Property Address4545 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963
Document Number0062501073
Book / Page6250 / 1073
Instrument DateJun 23, 2022
Instrument2022107985
Transaction TypeTransfer
Record UpdatedJul 29, 2022
Title CompanySELENE TITLE LLC

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 4090, SCOTTSDALE, AZ 85261-4090

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 4090, SCOTTSDALE, AZ 85261-4090
InvestorPossibly a Property Investor

December 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 20, 2021
Property Address4545 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963
Document Number0061110936
Book / Page6111 / 936
Map ReferenceMB 25 PG 126
Instrument DateDec 16, 2021
Instrument2021195647
Transaction TypeTransfer
Record UpdatedJan 03, 2022
Title CompanyOS NATIONAL LLC

Transaction

AmountAmount Recorded
Tax$2,415.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address13929 FAIRWAY ISLAND DR # 836836, 13929, ORLANDO, FL 32837-5278

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 4090, SCOTTSDALE, AZ 85261-4090
InvestorPossibly a Property Investor

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4545 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963
Transaction TypeMortgage
Record UpdatedApr 13, 2021
Title CompanyNOT AVAILABLE, NETCO

Transferred To (Grantee/Buyer)

NameVerified Name
Address4545 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963

Mortgage

Document Number0059042054
DateMar 04, 2021
Book Page5904/2054
Instrument2021032391
Lender
NameAAFMAA MORTGAGE LLC
TypeMortgage Company
AddressRALEIGH, NC 27650
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueMar 01, 2051

February 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateFeb 13, 2018
Property Address4545 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963
Document Number0052850205
Book / Page005285 / 000205
Instrument DateFeb 13, 2018
Instrument24736
Transaction TypeTransfer
Record UpdatedFeb 27, 2018
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,747.33
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4545 ORCHARD GROVE RD ST CLOUD FL 347728963, ST CLOUD, FL 34772-8963

Mortgage

Document Number52850207
DateFeb 13, 2018
Book Page005285/000207
Instrument24737
Lender
NameKBHS HM LNS LLC
AddressIRVING, TX 75063
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 12, 2048

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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$7,816.00 (+2.72%)$329,600 (-0.66%) Land $70,000 Building $259,600$329,600 (-0.66%) Land $70,000 Building $259,600
2024$7,609.00 (-0.9%)
2023$7,678.00 (+11.94%)$331,800 (+15.97%) Land $60,000 Building $271,800$331,800 (+15.97%) Land $60,000 Building $271,800
2022$6,859.00$286,100 Land $55,000 Building $231,100$286,100 Land $55,000 Building $231,100

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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