4950 Canoe Creek Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4950 Canoe Creek Rd, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,719 sqft · built 1992
Lot Size	5 acres (217,800 sqft)
Owner	Company Name on File
Last Sale	$1,700,000 (Sep 2022)
Tax Bill	$6,602 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Sep 2022 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`89438`

Property Details

APN / Parcel Number

Primary APN	`89438`
Alternative APN	`132730495000010540`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,719 sqft Heated Area
Gross Area	2,520 sqft
1st Floor Area	1,091 sqft
Upper Floors Area	628 sqft
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Garage Area	1,200 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Pool Area	324 sqft
Porch	Porch
Porch Area	1,053 sqft
Deck Area	234 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	89438
Street Address	4950 CANOE CREEK RD
City	SAINT CLOUD
State	FL
Zip	34772-9183
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAC
Legal Description	S L & I C PB B PG 41 LOT 54 LESS S 145 FT OF W 315 FT
Legal Range	30E
Legal Township	27S
Legal Section	13
Legal Subdivision	SEMINOLE LAND&INV CO
Legal Tract	4950
Legal Block	1
Legal Lot Number	54
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1023
Census Tract	43209

Owner

4950 Canoe Creek Rd is owned by a company that bought it in September 2022.

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

Owner of Record	Company Name on File
Mailing Address	PO BOX 701475, SAINT CLOUD, FL 34770-1475
Owner Type	Company

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
Feb 16, 2023	Deed of Trust, Mortgage · Commercial Mortgage LAFAYETTE STATE BANK
Sep 16, 2022	Warranty Deed, Transfer · Line of Credit LAFAYETTE STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2022 · Amount on File
Deed Sale	Sep 16, 2022 · Amount on File
Prior Sale	Jul 15, 1998
Deed Document Number	2022141289
Deed Book / Page	6287 / 1570
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4950 CANOE CREEK RD, SAINT CLOUD, FL 34772-9183
Transaction Type	Mortgage
Record Updated	Aug 10, 2023
Title Company	EXECUTIVE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0063590077
Date	Feb 16, 2023
Book Page	6359/77
Instrument	2023018912

Lender

Name	LAFAYETTE STATE BANK
Type	Bank
Address	MAYO, FL 32066

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	235 Months
Due	Sep 7, 2042

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 16, 2022
Property Address	4950 CANOE CREEK RD, SAINT CLOUD, FL 34772-9183
Document Number	0062871570
Book / Page	6287 / 1570
Map Reference	MB B PG 41
Instrument Date	Sep 7, 2022
Instrument	2022141289
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	EXECUTIVE TTL OF CTRL FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 2295, WINTER HAVEN, FL 33883-2295

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 701475, SAINT CLOUD, FL 34770-1475

Mortgage

Document Number	0062871572
Date	Sep 16, 2022
Instrument	6287/1572

Lender

Name	LAFAYETTE STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 7, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 4950 Canoe Creek Rd was $6,602.

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	$6,602.00	$425,100 Land $177,300 Building $247,800	$425,100 Land $177,300 Building $247,800
2023	$5,757.00 (+97.36%)	$367,800 (+77.1%) Land $126,100 Building $241,700	$367,800 (+9.46%) Land $126,100 Building $241,700
2022	$2,917.00 Homeowner's exemption	$207,677	$336,000 Land $126,100 Building $209,900

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 4950 Canoe Creek Rd in Zone X, an area of minimal flood risk, within 100 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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 136 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	136 in force
Nearby Flood Claims	4 (2011–2022)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 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 4950 Canoe Creek Rd is high, ranking above 87% of the US, with a 0.8% annual chance of wildfire.

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

Wildfire Risk	High above 87% of the US · above 80% of Florida
Wildfire Likelihood	0.8% annual chance
Exposure	Direct burnable vegetation

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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

May also be available: Verizon, Xfinity.

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