Osceola County property record for 4554 Orchard Grove Rd, Saint Cloud, FL 34772 · Last verified February 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2018 |
| Square Footage | 1,696 sqft Heated Area |
| Lot Size | 9,148 sqft (0.21 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $350,000 (2026) |
| Tax Bill | $5,150.00 (2025) |
| Primary APN | 192631016000017280 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,696 sqft Heated Area |
| Gross Area | 2,202 sqft Gross Area |
| 1st Floor | 1,696 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 9,148 sqft (0.21 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 441 sqft Garage |
| Fence | Fence |
| Porch | Finished/Screened Porch |
| Porch Area | 70 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 4554 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 728 |
| 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 | 728 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1003 |
| Census Tract | 43304 |
Source: Osceola County records · APN 192631016000017280
Assessment roll updated July 1, 2025 · Last verified February 2026
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 4554 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 12, 2026 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 11, 2018 | Grant Deed, Transfer · Veterans Administration Mortgage USAA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 12, 2026 · Amount on Record |
| Deed Sale | Jan 12, 2026 · Amount on Record |
| Prior Sale | Jul 11, 2018 · Amount on Record |
| Deed Doc Number | 2026004808 |
| Deed Book / Page | 6907 / 221 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 12, 2026 |
| Property Address | 4554 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962 |
| Document Number | 0069070221 |
| Book / Page | 6907 / 221 |
| Map Reference | MB 25 PG 126 |
| Instrument Date | Jan 09, 2026 |
| Instrument | 2026004808 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,450.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5016 RED BAY DR, ORLANDO, FL 32829-8725 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 4554 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962 |
| Document Number | 0006907223 |
|---|---|
| Date | Jan 12, 2026 |
| Instrument | 6907/223 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2056 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 11, 2018 |
| Property Address | 4554 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962 |
| Document Number | 0053651656 |
| Book / Page | 005365 / 001656 |
| Instrument Date | Jul 05, 2018 |
| Instrument | 106219 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,724.40 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 4554 ORCHARD GROVE RD ST CLOUD FL 347728962, ST CLOUD, FL 34772-8962 |
| Document Number | 53651658 |
|---|---|
| Date | Jul 11, 2018 |
| Book Page | 005365/001658 |
| Instrument | 106220 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 10, 2048 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified February 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 | $5,150.00 (+8.74%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $228,747 (+5.99%) | $318,600 (-0.38%) Land $73,500 Building $245,100 |
| 2023 | $4,736.00 (+2.38%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $215,827 (+3%) | $319,800 (+15.58%) Land $63,000 Building $256,800 |
| 2022 | $4,626.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $209,541 | $276,700 Land $57,800 Building $218,900 |
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 62% of the US · above 37% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 424 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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