Osceola County property record for 4558 Orchard Grove Rd, Saint Cloud, FL 34772 · Last verified December 2025
| 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 | 12,197 sqft (0.28 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $250,000 (2018) |
| Tax Bill | $5,209.00 (2025) |
| Primary APN | 192631016000017300 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,696 sqft Heated Area |
| Gross Area | 2,302 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 | 12,197 sqft (0.28 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 441 sqft Garage |
| Fence | Fence |
| Porch | Finished/Screened Porch |
| Porch Area | 165 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 4558 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 730 |
| 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 | 730 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1003 |
| Census Tract | 43304 |
Source: Osceola County records · APN 192631016000017300
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 4558 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 16, 2024 | Deed of Trust, Mortgage · Line of Credit PENTAGON FCU |
| Dec 12, 2023 | Deed of Trust, Mortgage · Line of Credit PENTAGON FCU |
| Mar 16, 2022 | Deed of Trust, Mortgage · Line of Credit PENTAGON FCU |
| Mar 30, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Aug 30, 2019 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Jul 07, 2020 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Jul 31, 2018 | Grant Deed, Transfer · Federal Housing Administration (FHA) Mortgage KBHS HM LNS LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 31, 2018 · Amount on Record |
| Deed Sale | Jul 31, 2018 · Amount on Record |
| Deed Doc Number | 2018116165 |
| Deed Book / Page | 5376 / 0315 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4558 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962 |
| Transaction Type | Mortgage |
| Record Updated | Feb 29, 2024 |
| Name | Verified Name |
|---|---|
| Address | 4558 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962 |
| Document Number | 0065502979 |
|---|---|
| Date | Feb 16, 2024 |
| Book Page | 6550/2979 |
| Instrument | 2024020861 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | MC LEAN, VA 22102 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Dec 20, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4558 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962 |
| Transaction Type | Mortgage |
| Record Updated | Jan 04, 2024 |
| Name | Verified Name |
|---|---|
| Address | 4558 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962 |
| Document Number | 0065171994 |
|---|---|
| Date | Dec 12, 2023 |
| Book Page | 6517/1994 |
| Instrument | 2023161252 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | MC LEAN, VA 22102 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 20, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4558 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962 |
| Transaction Type | Mortgage |
| Record Updated | Apr 01, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4558 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962 |
| Document Number | 0061730107 |
|---|---|
| Date | Mar 16, 2022 |
| Book Page | 6173/107 |
| Instrument | 2022042150 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | MC LEAN, VA 22102 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 25, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4558 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 4558 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962 |
| Document Number | 0059232821 |
|---|---|
| Date | Mar 30, 2021 |
| Book Page | 5923/2821 |
| Instrument | 2021047461 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 344 Months |
| Due | Nov 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4558 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0055822622 |
|---|---|
| Date | Aug 30, 2019 |
| Book Page | 5582/2622 |
| Instrument | 2019113268 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4558 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0057501078 |
|---|---|
| Date | Jul 07, 2020 |
| Book Page | 5750/1078 |
| Instrument | 2020087468 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 351 Months |
| Due | Oct 01, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 31, 2018 |
| Property Address | 4558 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962 |
| Document Number | 0053760315 |
| Book / Page | 005376 / 000315 |
| Instrument Date | Jul 30, 2018 |
| Instrument | 116165 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,750.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 4558 ORCHARD GROVE RD ST CLOUD FL 347728962, ST CLOUD, FL 34772-8962 |
| Document Number | 53760317 |
|---|---|
| Date | Jul 31, 2018 |
| Book Page | 005376/000317 |
| Instrument | 116166 |
| Name | KBHS HM LNS LLC |
|---|---|
| Address | IRVING, TX 75063 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 30, 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 | $5,209.00 (+8.59%) Homeowner's exemption | $227,044 (+5.99%) | $316,500 (-0.5%) Land $70,000 Building $246,500 |
| 2023 | $4,797.00 (+2.33%) Homeowner's exemption | $214,220 (+3%) | $318,100 (+15.67%) Land $60,000 Building $258,100 |
| 2022 | $4,688.00 Homeowner's exemption | $207,981 | $275,000 Land $55,000 Building $220,000 |
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 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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