4562 Orchard Grove Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4562 Orchard Grove Rd, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,696 sqft · built 2018
Lot Size	0.18 acres (7,840 sqft)
Owner	Company Name on Record
Last Sale	$329,600 (Mar 2022)
Tax Bill	$7,564 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Mar 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-26-31-0160-0001-7320`

Property Details

APN / Parcel Number

Primary APN	`19-26-31-0160-0001-7320`
Alternative APN	`263119016000017320`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,696 sqft Living Area
Gross Area	2,302 sqft
1st Floor Area	1,696 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,840 sqft (0.18 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	165 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4562 ORCHARD GROVE RD
City	SAINT CLOUD
State	FL
Zip	34772-8962
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRAMERCY FARMS PH 7 PB 25 PG 126 LOT 732
Legal Range	31E
Legal Township	26S
Legal Section	19
Legal Subdivision	GRAMERCY FARMS PH 7
Legal Phase	7
Legal Block	7320
Legal Lot Number	732
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1003
Census Tract	43304

Owner

Source: Osceola County records, as of April 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	23975 PARK SORRENTO, 300, CALABASAS, CA 91302-4012
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 7, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jan 27, 2022	Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO
Mar 15, 2018	Grant Deed, Transfer · FHA Mortgage KBHS HM LNS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 2022 · Amount on Record
Deed Sale	Mar 7, 2022 · Amount on Record
Prior Sale	Jan 27, 2022 · Amount on Record
Deed Document Number	202236029
Deed Book / Page	6165 / 457
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4562 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4562 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962

Mortgage

Document Number	0058802619
Date	Jan 29, 2021
Book Page	5880/2619
Instrument	2021013681

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	328 Months
Due	May 1, 2048

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 7, 2022
Property Address	4562 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
Document Number	0061650457
Book / Page	6165 / 457
Map Reference	MB 25 PG 126
Instrument Date	Feb 22, 2022
Instrument	2022036029
Transaction Type	Transfer
Record Updated	Mar 21, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$2,307.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 2150, CHANDLER, AZ 85286-1662

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23975 PARK SORRENTO STE 300, 300, CALABASAS, CA 91302-4012
Investor	Possibly a Property Investor

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 27, 2022
Property Address	4562 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
Document Number	0061372246
Book / Page	6137 / 2246
Map Reference	MB 25 PG 126
Instrument Date	Jan 26, 2022
Instrument	2022014377
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$2,149.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4120 BULL ST, SAINT CLOUD, FL 34772-9200

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662
Investor	Possibly a Property Investor

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 15, 2018
Property Address	4562 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
Document Number	0053012255
Book / Page	005301 / 002255
Instrument Date	Mar 13, 2018
Instrument	42710
Transaction Type	Transfer
Record Updated	Apr 16, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,757.15
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	4562 ORCHARD GROVE RD ST CLOUD FL 347728962, ST CLOUD, FL 34772-8962

Mortgage

Document Number	53012257
Date	Mar 15, 2018
Book Page	005301/002257
Instrument	42711

Lender

Name	KBHS HM LNS LLC
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 14, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$7,564.00 (+2.86%)	$315,500 (-0.54%) Land $70,000 Building $245,500	$315,500 (-0.54%) Land $70,000 Building $245,500
2024	$7,354.00 (-0.82%)
2023	$7,415.00 (+58.41%)	$317,200 (+52.77%) Land $60,000 Building $257,200	$317,200 (+15.6%) Land $60,000 Building $257,200
2022	$4,681.00 Homeowner's exemption	$207,630	$274,400 Land $55,000 Building $219,400

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 62% of the US · lower than 62% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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