1055 Old Hickory Tree Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1055 Old Hickory Tree Rd, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,866 sqft · built 2005
Lot Size	0.724 acres (31,537 sqft)
Owner	2 Individual Names on Record
Last Sale	$470,000 (Feb 2023)
Tax Bill	$6,471 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-26-31-7500-0001-0043`

Property Details

APN / Parcel Number

Primary APN	`06-26-31-7500-0001-0043`
Alternative APNs	`263106750000010043` `96317`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,866 sqft Living Area
Gross Area	2,932 sqft
1st Floor Area	2,866 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	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	Detached
Garage Area	700 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	66 sqft
Deck Area	308 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	HVAC

Location & Zoning

Street Address	1055 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	S L & I C FROM NE COR OF S 1/2 LOT 405 S 110 FT TO POB S 110 FT W 285.96 FT N 110 FT E 286.12 FT TO POB AKA LOT 2 OF TRACT 4 ARROWHEAD COUNTRY EST
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	ARROWHEAD COUNTRY ESTATES UNREC
Legal Tract	4
Legal Block	43
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 November 26, 2025

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	1055 OLD HICKORY TREE RD, SAINT CLOUD, FL 34771-8572
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2023	Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Feb 17, 2020	Deed of Trust, Mortgage · FHA Mortgage MR COOPER
Aug 22, 2018	Quit Claim Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2023 · Amount on Record
Deed Sale	Feb 28, 2023 · Amount on Record
Prior Sale	Jul 13, 2016 · Amount on Record
Deed Document Number	202323265
Deed Book / Page	6363 / 2743
Prior Transfer Date	Oct 14, 2010
Prior Transfer Doc	0040682998
Record Updated	Sep 20, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 28, 2023
Property Address	1055 OLD HICKORY TREE RD, SAINT CLOUD, FL 34771-8572
Document Number	0063632743
Book / Page	6363 / 2743
Instrument Date	Feb 27, 2023
Instrument	2023023265
Transaction Type	Transfer
Record Updated	Mar 10, 2023
Title Company	TRULY TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,290.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	639 LANDING RD, KENANSVILLE, FL 34739-9559

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1055 OLD HICKORY TREE RD, SAINT CLOUD, FL 34771-8572

Mortgage

Document Number	0063632745
Date	Feb 28, 2023
Instrument	6363/2745

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1055 OLD HICKORY TREE RD, SAINT CLOUD, FL 34771-8572
Document Number	0056802280
Instrument Date	Feb 17, 2020
Transaction Type	Mortgage
Record Updated	May 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1055 OLD HICKORY TREE RD ST CLOUD FL 347718572, ST CLOUD, FL 34771-8572

Mortgage

Document Number	0056802280
Date	Feb 26, 2020
Book Page	005680/002280
Instrument	27825

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 2050

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 22, 2018
Property Address	1055 OLD HICKORY TREE RD, SAINT CLOUD, FL 34771-8572
Document Number	0053890148
Book / Page	005389 / 000148
Instrument Date	Aug 7, 2018
Instrument	127781
Transaction Type	Transfer
Record Updated	Sep 12, 2018
Title Company	CLOSING USA LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1055 OLD HICKORY TREE RD ST CLOUD FL 347718572, ST CLOUD, FL 34771-8572

Mortgage

Document Number	53890151
Date	Aug 22, 2018
Book Page	005389/000151
Instrument	127782

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 21, 2048

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	$6,471.00 (-4.54%) Homeowner's exemption	$456,500 (+112.65%) Land $75,000 Building $381,500	$456,500 (+15.51%) Land $75,000 Building $381,500
2024	$6,779.00 (+121.68%)
2023	$3,058.00 (+4.44%) Homeowner's exemption	$214,675 (+3%)	$395,200 (+27.86%) Land $52,000 Building $343,200
2022	$2,928.00 Homeowner's exemption	$208,423	$309,100 Land $52,000 Building $257,100

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.

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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