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  5. Orchard Grove Rd

4561 Orchard Grove Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4561 Orchard Grove Rd, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 2018
Square Footage1,696 sqft Heated Area
Lot Size6,534 sqft (0.15 acres)
OccupancyOwner Occupied
Last Sale$250,162 (2018)
Tax Bill$5,164.00 (2025)

Property Details

APN / Parcel Number

Primary APN192631016000017370

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area1,696 sqft Heated Area
Gross Area2,202 sqft Gross Area
1st Floor1,696 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 Area6,534 sqft (0.15 acres)
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area441 sqft Garage
FenceFence
PorchOpen Porch
Porch Area65 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address4561 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 737
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionGRAMERCY FARMS PH 4 5 7 8 & 9
Legal Phase7
Legal Tract160
Legal Lot Number737
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1009
Census Tract43304

Owner

Source: Osceola County records · APN 192631016000017370

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 Address4561 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jun 01, 2023Deed of Trust, Mortgage · Line of Credit
GUARANTEED RATE INC
Jan 05, 2022Deed of Trust, Mortgage · Conventional Mortgage
GUARANTEED RATE INC
Jun 19, 2018Grant Deed, Foreclosure · Conventional Mortgage with Private Mortgage Insurance (PMI)
KBHS HM LNS LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 19, 2018 · Amount on Record
Deed SaleJun 19, 2018 · Amount on Record
Deed Doc Number2018094494
Deed Book / Page5352 / 2673
Record RefreshedJun 08, 2026

June 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4561 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963
Transaction TypeMortgage
Record UpdatedApr 02, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address4561 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963

Mortgage

Document Number0064162652
DateJun 01, 2023
Book Page6416/2652
Instrument2023070026
Lender
NameGUARANTEED RATE INC
TypeMortgage Company
AddressCHICAGO, IL 60613
Agreement
TypeLine of Credit
AmountAmount Recorded
Term180 Months
DueJun 22, 2038
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4561 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963
Transaction TypeMortgage
Record UpdatedApr 02, 2026
Title CompanyRAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address4561 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963

Mortgage

Document Number0061230593
DateJan 05, 2022
Book Page6123/593
Instrument2022002781
Lender
NameGUARANTEED RATE INC
TypeMortgage Company
AddressCHICAGO, IL 60613
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2052

June 2018: Grant Deed, Foreclosure

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateJun 19, 2018
Property Address4561 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8963
Document Number0053522673
Book / Page005352 / 002673
Instrument DateJun 15, 2018
Instrument94494
Transaction TypeForeclosure
Record UpdatedJul 17, 2018
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,751.13
Amount AccuracyConfirmed

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address4561 ORCHARD GROVE RD ST CLOUD FL 347728963, ST CLOUD, FL 34772-8963

Mortgage

Document Number53522675
DateJun 19, 2018
Book Page005352/002675
Instrument94495
Lender
NameKBHS HM LNS LLC
AddressIRVING, TX 75063
Agreement
TypeConventional Mortgage with Private Mortgage Insurance (PMI)
AmountAmount Recorded
Term360 Months
DueJun 18, 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$5,164.00 (+8.62%) Homeowner's exemption$224,494 (+5.99%)$313,500 (-0.48%) Land $70,000 Building $243,500
2023$4,754.00 (+2.32%) Homeowner's exemption$211,814 (+3%)$315,000 (+15.68%) Land $60,000 Building $255,000
2022$4,646.00 Homeowner's exemption$205,645$272,300 Land $55,000 Building $217,300

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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