4575 Canoe Creek Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4575 Canoe Creek Rd, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,391 sqft · built 1978
Lot Size	0.973 acres (42,384 sqft)
Owner	Individual Name on File
Last Sale	$560,000 (Sep 2023)
Tax Bill	$5,156 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Jul 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`89419`

Property Details

APN / Parcel Number

Primary APN	`89419`
Alternative APN	`122730495000010600`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,391 sqft Heated Area
Gross Area	2,559 sqft
1st Floor Area	1,747 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	42,384 sqft (0.973 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	38 sqft
Porch	Enclosed Porch
Porch Area	812 sqft
Deck Area	240 sqft
Fence	Fence
Shed	1 Shed
Shed Area	120 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	89419
Street Address	4575 CANOE CREEK RD
City	SAINT CLOUD
State	FL
Zip	34772-9126
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OA1A
Legal Description	S L & I C PB B PG 37 BEG 30 FT W & 2,416.67 FT S OF N 1/4 COR SEC 12, S 191.59 FT, W 211.59 FT TO ELY R/W CANOE CREEK RD, N 9
Legal Range	30E
Legal Township	27S
Legal Section	12
Legal Subdivision	SEMINOLE LAND&INV CO
Legal Tract	4950
Legal Block	1
Legal Lot Number	60
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1032
Census Tract	43205

Owner

4575 Canoe Creek Rd is owned and occupied by an individual who bought it in September 2023.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Mailing Address	4575 CANOE CREEK RD, SAINT CLOUD, FL 34772-9126
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2023	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 10, 2023	Warranty Deed, Transfer · Commercial Mortgage ROYAL REALTY REAL ESTATE LLC
Jan 18, 2019	Warranty Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2023 · Amount on File
Deed Sale	Sep 14, 2023 · Amount on File
Prior Sale	Aug 22, 2000 · Amount on File
Deed Document Number	0064772901
Deed Book / Page	6438 / 721
Prior Transfer Date	Jul 10, 2023
Prior Transfer Doc	2023088586
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4575 CANOE CREEK RD, SAINT CLOUD, FL 34772-9126
Transaction Type	Mortgage
Record Updated	Oct 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3795 LAKEVIEW ACRES RD, SAINT CLOUD, FL 34772-7578

Mortgage

Document Number	0064772903
Date	Sep 21, 2023
Book Page	6477/2903
Instrument	2023124645

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 10, 2023
Property Address	4575 CANOE CREEK RD, SAINT CLOUD, FL 34772-9126
Document Number	0064380721
Book / Page	6438 / 721
Map Reference	MB B PG 37
Instrument Date	Jun 21, 2023
Instrument	2023088586
Transaction Type	Transfer
Record Updated	Jul 28, 2023
Title Company	INFINITY TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,730.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4575 CANOE CREEK RD, SAINT CLOUD, FL 34772-9126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4575 CANOE CREEK RD, SAINT CLOUD, FL 34772-9126

Mortgage

Document Number	0006438723
Date	Jul 10, 2023
Instrument	6438/723

Lender

Name	ROYAL REALTY REAL ESTATE LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jul 1, 2024

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 18, 2019
Property Address	4575 CANOE CREEK RD, SAINT CLOUD, FL 34772-9126
Document Number	0054651519
Book / Page	005465 / 001519
Instrument Date	Jan 18, 2019
Instrument	8085
Transaction Type	Transfer
Record Updated	Feb 5, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Tax	$1,225.00
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	4575 CANOE CREEK RD ST CLOUD FL 347729126, ST CLOUD, FL 34772-9126

Tax Assessment & Valuation

The 2025 property tax bill for 4575 Canoe Creek Rd was $5,156 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,156.00 Homeowner's exemption	$361,575	$365,100 Land $60,000 Building $305,100
2023	$4,751.00 (+155.98%)	$295,700 (+124.4%) Land $50,000 Building $245,700	$295,700 (+13.47%) Land $50,000 Building $245,700
2022	$1,856.00 Homeowner's exemption	$131,772	$260,600 Land $50,000 Building $210,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 4575 Canoe Creek Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 68 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	68 in force
Nearby Flood Claims	9 (1997–2020)
Claims Outside the SFHA	5 of 9
Most Recent Claim	Jun 2020 · other causes
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 3 claims

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

Wildfire risk around 4575 Canoe Creek Rd is high, ranking above 78% of the US, with a 0.6% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 78% of the US · above 66% of Florida
Wildfire Likelihood	0.6% 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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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