1085 Old Hickory Tree Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1085 Old Hickory Tree Rd, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,058 sqft · built 1988
Lot Size	0.723 acres (31,537 sqft)
Owner	Individual Name on File
Last Sale	$423,000 (May 2025)
Tax Bill	$1,913 (2025)
Deeds & Mortgages	May 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`96318`

Property Details

APN / Parcel Number

Primary APN	`96318`
Alternative APN	`062631750000010050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,058 sqft Heated Area
Gross Area	3,066 sqft
1st Floor Area	1,424 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	31,537 sqft (0.723 acres)
Lot Dimensions	286 ft deep x 110 ft wide
Garage Type	Finished
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Enclosed Porch
Porch Area	1,002 sqft
Deck Area	648 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	96318
Street Address	1085 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 OF LOT 405 S 220 FT TO POB S 110 FT W 285.79 FT N 110 FT E 285.96 FT TO POB AKA LOT 3 TRACT 5
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	ARROWHEAD CNTRY EST
Legal Tract	5
Legal Block	1
Legal Lot Number	3,405
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2056
Census Tract	43600

Owner

Source: Osceola County records · APN 96318

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 Record	Individual Name on File
Mailing Address	1085 OLD HICKORY TREE RD, SAINT CLOUD, FL 34771-8572
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 21, 2025 · Amount on Record
Deed Sale	May 21, 2025 · Amount on Record
Deed Document Number	2025064597
Deed Book / Page	6791 / 2460
Record Updated	Jun 08, 2026

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 21, 2025
Property Address	1085 OLD HICKORY TREE RD, SAINT CLOUD, FL 34771-8572
Document Number	0067912460
Book / Page	6791 / 2460
Instrument Date	May 12, 2025
Instrument	2025064597
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	A CLEAR CHOICE T&E OF OSCEOL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,961.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8217 COUNTY ROUTE 13, BATH, NY 14810-7907

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1085 OLD HICKORY TREE RD, SAINT CLOUD, FL 34771-8572

Mortgage

Document Number	0067912462
Date	May 21, 2025
Instrument	6791/2462

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2055

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,913.00 (+9.88%) Homeowner's exemption	$127,557 (+5.99%)	$359,500 (+16.95%) Land $75,000 Building $284,500
2023	$1,741.00 (+5.64%) Homeowner's exemption	$120,353 (+3%)	$307,400 (+25.06%) Land $52,000 Building $255,400
2022	$1,648.00 Homeowner's exemption	$116,848	$245,800 Land $52,000 Building $193,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Moderate above 54% of the US · lower than 74% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct 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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Lumen Technologies 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.

Based on FCC filings for 79 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.