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1003 Old Hickory Tree Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1003 Old Hickory Tree Rd, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 1,520 sqft · built 1989
Lot Size0.451 acres (19,646 sqft)
OwnerIndividual Name on File
Last Sale$405,000 (Aug 2022)
Tax Bill$4,491 (2025)
Deeds & MortgagesAug 2022 Sale & Mortgage
Sep 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN96310

Property Details

APN / Parcel Number

Primary APN96310
Alternative APN
  • 062631750000010012

Interior

Bedrooms4 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,520 sqft Heated Area
Gross Area2,436 sqft
1st Floor Area1,520 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1989
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area19,646 sqft (0.451 acres)
Lot Dimensions173 ft deep x 118 ft wide
Garage TypeFinished
Garage Area650 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchEnclosed Porch
Porch Area266 sqft
Patio Area350 sqft
FenceFence
Shed1 Shed
Shed Area288 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number96310
Street Address1003 OLD HICKORY TREE RD
CitySAINT CLOUD
StateFL
Zip34771-8572
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionS L & I C W 118.41 FT OF ALL FRAC LOT 396 & N 1/2 LOT 405 AKA W 118.41 FT OF TRACT 1 ARROWHEAD COUNTRY ESTATES
Legal Range31E
Legal Township26S
Legal Section06
Legal SubdivisionARROWHEAD CNTRY EST
Legal Tract1
Legal Block1
Legal Lot Number396,405
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2056
Census Tract43600

Owner

Source: Osceola County records · APN 96310

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 RecordIndividual Name on File
Mailing Address1003 OLD HICKORY TREE RD, SAINT CLOUD, FL 34771-8572
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 17, 2022Warranty Deed, Transfer · Conventional Mortgage
A&D MORTGAGE LLC
Sep 27, 2019Deed of Trust, Mortgage · Conventional with PMI
PENNYMAC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 17, 2022 · Amount on Record
Deed SaleAug 17, 2022 · Amount on Record
Prior SaleAug 07, 2013 · Amount on Record
Deed Document Number2022126622
Deed Book / Page6270 / 2704
Record UpdatedJun 08, 2026

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 17, 2022
Property Address1003 OLD HICKORY TREE RD, SAINT CLOUD, FL 34771-8572
Document Number0062702704
Book / Page6270 / 2704
Map ReferenceMB B PG 63&64
Instrument DateAug 08, 2022
Instrument2022126622
Transaction TypeTransfer
Record UpdatedSep 01, 2022
Title CompanyA CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE T&E OF OSCEOL

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,835.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6749 ARGOS ST, 6749, WEST RICHLAND, WA 99353-5514

Transferred To (Grantee/Buyer)

NameVerified Name
Address1003 OLD HICKORY TREE RD, SAINT CLOUD, FL 34771-8572

Mortgage

Document Number0062702705
DateAug 17, 2022
Instrument6270/2705
Lender
NameA&D MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2052

September 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1003 OLD HICKORY TREE RD, SAINT CLOUD, FL 34771-8572
Document Number0056010411
Instrument DateSep 27, 2019
Transaction TypeMortgage
Record UpdatedOct 23, 2019
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

NameVerified Name
Address1003 OLD HICKORY TREE RD ST CLOUD FL 347718572, ST CLOUD, FL 34771-8572

Mortgage

Document Number0056010411
DateOct 04, 2019
Book Page005601/000411
Instrument128874
Lender
NamePENNYMAC
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueOct 03, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$4,491.00 (+7.11%) Homeowner's exemption$313,615 (+5.99%)$344,300 (+16.36%) Land $75,000 Building $269,300
2023$4,193.00 (+133.98%) Homeowner's exemption$295,900 (+132.67%) Land $52,000 Building $243,900$295,900 (+28.1%) Land $52,000 Building $243,900
2022$1,792.00 Homeowner's exemption$127,178$231,000 Land $52,000 Building $179,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970436002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 148 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies148 in force
Nearby Flood Claims5 (2016–2022)
Most Recent ClaimOct 2022, river or lake flooding, Hurricane Ian
Claims By Storm
  • Hurricane Irma, Sep 2017 · 2 claims

Wildfire

Wildfire RiskModerate
above 54% of the US · above 25% of Florida
Wildfire LikelihoodAbout 1 in 599 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 79 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber2,000 / 1,000
SpectrumCable1,000 / 1,000
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: AT&T, Xfinity, Spectrum, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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