1005 Old Hickory Tree Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1005 Old Hickory Tree Rd, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,182 sqft · built 1986
Lot Size	0.724 acres (31,537 sqft)
Owner	2 Individual Names on Record
Last Sale	$458,000 (Aug 2026)
Tax Bill	$4,166 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Apr 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-26-31-7500-0001-0041`

Property Details

APN / Parcel Number

Primary APN	`06-26-31-7500-0001-0041`
Alternative APNs	`263106750000010041` `96315`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,182 sqft Living Area
Gross Area	3,154 sqft
1st Floor Area	2,182 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	L-Shape
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	31,537 sqft (0.724 acres)
Lot Dimensions	286 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	480 sqft
Porch	Finished/Open Porch
Porch Area	472 sqft
Deck Area	695 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1005 OLD HICKORY TREE RD
City	SAINT CLOUD
State	FL
Zip	34771-8572
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS3
Legal Description	BEG NE COR OF S 1/2 LOT 405 OF S L & I C SURVEY W 286.29 FT S 110 FT E 286.12 FT N 110 FT TO POB AKA LOT 1 OF TRACT 4 ARROWHEAD COUNTRY ESTATES
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	ARROWHEAD COUNTRY ESTATES UNREC
Legal Tract	4
Legal Block	41
Legal Lot Number	405
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2056
Census Tract	43600

Owner

Source: Osceola County records, as of August 17, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1005 OLD HICKORY TREE RD, SAINT CLOUD, FL 34771-8572
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Apr 7, 2021	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NATIONAL ASSOCIATION
Jan 15, 2021	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2026 · Amount on Record
Deed Sale	Aug 6, 2026 · Amount on Record
Prior Sale	Dec 5, 2013 · Amount on Record
Deed Document Number	2026103056
Deed Book / Page	7016 / 1253
Prior Transfer Date	Jul 31, 2012
Prior Transfer Doc	0043112280
Record Updated	Sep 20, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 6, 2026
Property Address	1005 OLD HICKORY TREE RD, SAINT CLOUD, FL 34771-8572
Document Number	0000103056
Book / Page	7016 / 1253
Instrument Date	Jul 31, 2026
Instrument	2026103056
Transaction Type	Transfer
Record Updated	Aug 17, 2026
Title Company	SETTLEMENT SERVICES, EVERGREEN SETTLEMENT SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$323,806.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1005 OLD HICKORY TREE RD, SAINT CLOUD, FL 34771-8572

Mortgage

Document Number	0000103057,
Date	Aug 6, 2026
Instrument	2026103057

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1005 OLD HICKORY TREE RD, SAINT CLOUD, FL 34771-8572
Transaction Type	Mortgage
Record Updated	May 4, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1005 OLD HICKORY TREE RD, SAINT CLOUD, FL 34771-8572

Mortgage

Document Number	0059292223
Date	Apr 7, 2021
Book Page	5929/2223
Instrument	2021051791

Lender

Name	SOUTH STATE BANK NATIONAL ASSOCIATION
Type	Bank
Address	SAINT CLOUD, FL 34771

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	118 Months
Due	Feb 25, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jan 15, 2021
Property Address	1005 OLD HICKORY TREE RD, SAINT CLOUD, FL 34771-8572
Document Number	0058711678
Book / Page	5871 / 1678
Instrument Date	Jan 13, 2021
Instrument	2021007001
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11455 S ORANGE BLOSSOM TRL, 11455, ORLANDO, FL 32837-9408

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1005 OLD HICKORY TREE RD, SAINT CLOUD, FL 34771-8572

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$4,166.00 (+5.02%) Homeowner's exemption	$290,164 (+5.99%)	$386,000 (+16.27%) Land $75,000 Building $311,000
2024	$3,967.00 (+2.14%)
2023	$3,884.00 (+4.13%) Homeowner's exemption	$273,774 (+3%)	$332,000 (+24.91%) Land $52,000 Building $280,000
2022	$3,730.00 Homeowner's exemption	$265,800 Land $52,000 Building $213,800	$265,800 Land $52,000 Building $213,800

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 148 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	148 in force
Nearby Flood Claims	5 (2016–2022)
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 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

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

Wildfire Risk	Moderate above 54% of the US · lower than 74% of Florida
Wildfire Likelihood	0.2% 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	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 79 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: AT&T, Verizon, Xfinity.

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