4549 Orchard Grove Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4549 Orchard Grove Rd, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,773 sqft · built 2017
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on Record
Last Sale	$243,957 (Dec 2017)
Tax Bill	$4,352 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`192631016000017420`

Property Details

APN / Parcel Number

Primary APN	`192631016000017420`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,773 sqft Heated Area
Gross Area	2,504 sqft
1st Floor Area	1,773 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Finished
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	290 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4549 ORCHARD GROVE RD
City	SAINT CLOUD
State	FL
Zip	34772-8963
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRAMERCY FARMS PH 7 PB 25 PG 126 LOT 742
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	742
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1009
Census Tract	43304

Owner

Source: Osceola County records, as of December 11, 2025

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 Record
Mailing Address	4549 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2022	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jul 1, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Sep 21, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Dec 4, 2017	Grant Deed, Transfer · VA Mortgage KBHS HM LNS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2017 · Amount on Record
Deed Sale	Dec 4, 2017 · Amount on Record
Deed Document Number	2017171501
Deed Book / Page	5247 / 2292
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4549 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963
Transaction Type	Mortgage
Record Updated	Mar 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4549 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963

Mortgage

Document Number	0061692550
Date	Mar 11, 2022
Book Page	6169/2550
Instrument	2022039861

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4549 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963
Transaction Type	Mortgage
Record Updated	Jul 20, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4549 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963

Mortgage

Document Number	0059931172
Date	Jul 1, 2021
Book Page	5993/1172
Instrument	2021102793

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Nov 1, 2050

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4549 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057970327
Date	Sep 21, 2020
Book Page	5797/327
Instrument	2020125895

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 4, 2017
Property Address	4549 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963
Document Number	0052472292
Book / Page	005247 / 002292
Instrument Date	Nov 30, 2017
Instrument	171501
Transaction Type	Transfer
Record Updated	Oct 24, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,707.70
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4549 ORCHARD GROVE RD ST CLOUD FL 347728963, ST CLOUD, FL 34772-8963

Mortgage

Document Number	52472294
Date	Dec 4, 2017
Book Page	005247/002294
Instrument	171502

Lender

Name	KBHS HM LNS LLC
Address	IRVING, TX 75063

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 3, 2047

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,352.00 (+9.4%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$184,144 (+5.99%)	$319,400 (-0.62%) Land $70,000 Building $249,400
2023	$3,978.00 (+2.29%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$173,743 (+3%)	$321,400 (+15.74%) Land $60,000 Building $261,400
2022	$3,889.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$168,683	$277,700 Land $55,000 Building $222,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 59 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	59 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 65% of the US · above 43% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 381 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Xfinity.

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