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4560 Orchard Grove Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4560 Orchard Grove Rd, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms3 Baths
Year BuiltBuilt 2018
Square Footage2,026 sqft Heated Area
Lot Size10,454 sqft (0.239 acres)
GarageFinished, 441 sqft
Last Sale$276,080 (2018)
Tax Bill$8,117.00 (2025)

Property Details

APN / Parcel Number

Primary APN192631016000017310

Interior

Bedrooms3 Beds
Full Baths3 Baths
Partial Baths1 Partial Baths
Building Area2,026 sqft Heated Area
Gross Area2,735 sqft Gross Area
1st Floor2,026 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2018
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area10,454 sqft (0.239 acres)
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area441 sqft Garage
FenceFence
PorchOpen Porch
Porch Area268 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address4560 ORCHARD GROVE RD
CitySAINT CLOUD
StateFL
Zip34772-8962
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionGRAMERCY FARMS PH 7 PB 25 PG 126 LOT 731
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionGRAMERCY FARMS PH 4 5 7 8 & 9
Legal Phase7
Legal Tract160
Legal Lot Number731
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1003
Census Tract43304

Owner

Source: Osceola County records · APN 192631016000017310

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 Record2 Individual Names on File
Mailing Address5605 CEDAR CHASE DR, SAINT CLOUD, FL 34771-9309
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Oct 05, 2021Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Aug 08, 2018Grant Deed, Transfer · Federal Housing Administration (FHA) Mortgage
KBHS HM LNS LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 08, 2018 · Amount on Record
Deed SaleAug 08, 2018 · Amount on Record
Deed Doc Number2018120993
Deed Book / Page5381 / 1010
Record RefreshedJun 08, 2026

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4560 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
Transaction TypeMortgage
Record UpdatedOct 19, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address4560 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962

Mortgage

Document Number0060590691
DateOct 05, 2021
Book Page6059/691
Instrument2021154898
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 01, 2051

August 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateAug 08, 2018
Property Address4560 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
Document Number0053811010
Book / Page005381 / 001010
Instrument DateAug 03, 2018
Instrument120993
Transaction TypeTransfer
Record UpdatedAug 31, 2018
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,932.56
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address4560 ORCHARD GROVE RD ST CLOUD FL 347728962, ST CLOUD, FL 34772-8962

Mortgage

Document Number53811012
DateAug 08, 2018
Book Page005381/001012
Instrument120994
Lender
NameKBHS HM LNS LLC
AddressIRVING, TX 75063
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueAug 07, 2048

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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$8,117.00 (+11.8%)$346,400 (-0.92%) Land $70,000 Building $276,400$346,400 (-0.92%) Land $70,000 Building $276,400
2023$7,260.00 (+8.81%)$349,600 (+15.72%) Land $60,000 Building $289,600$349,600 (+15.72%) Land $60,000 Building $289,600
2022$6,672.00$302,100 Land $55,000 Building $247,100$302,100 Land $55,000 Building $247,100

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 62% of the US · above 37% of Florida
Wildfire LikelihoodAbout 1 in 424 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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