Osceola County property record for 2445 Old Hickory Tree Rd, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,456 sqft · built 1979 |
| Lot Size | 4.42 acres (192,535 sqft) |
| Owner | Individual Name on File |
| Last Sale | $242,500 (Jul 2016) |
| Tax Bill | $3,135 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Nov 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-26-31-0000-0013-0000 |
| Primary APN | 18-26-31-0000-0013-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,456 sqft Living Area |
| Gross Area | 2,004 sqft |
| 1st Floor Area | 1,092 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Custom Design |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 192,535 sqft (4.42 acres) |
| Garage Type | Detached |
| Garage Area | 432 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 480 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2445 OLD HICKORY TREE RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8943 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OAC |
| Legal Description | N 1/2 OF NW 1/4 OF NE 1/4 OF NW 1/4 LESS RD R/W |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 18 |
| Legal Subdivision | ACREAGE & UNREC |
| Legal Tract | 0000 |
| Legal Block | 13 |
| Legal Lot Number | 13 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 43301 |
Source: Osceola County records · APN 18-26-31-0000-0013-0000
Assessment roll updated November 26, 2025 · Last verified July 2026
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 | 2445 OLD HICKORY TREE RD, SAINT CLOUD, FL 34772-8943 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 06, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BAY VALLEY MORTGAGE GROUP |
| Nov 09, 2018 | Deed of Trust, Mortgage · Conventional with PMI SUPREME LNDG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 01, 2016 · Amount on Record |
| Deed Sale | Jul 01, 2016 · Amount on Record |
| Prior Sale | Feb 10, 2016 · Amount on Record |
| Deed Book / Page | 5002 / 1333 |
| Prior Transfer Date | Mar 01, 2006 |
| Prior Transfer Doc | 0031041321 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2445 OLD HICKORY TREE RD, SAINT CLOUD, FL 34772-8943 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0057700019 |
|---|---|
| Date | Aug 06, 2020 |
| Book Page | 5770/19 |
| Instrument | 2020103626 |
| Name | BAY VALLEY MORTGAGE GROUP |
|---|---|
| Type | Mortgage Company |
| Address | GARDEN GROVE, CA 92841 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 01, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2445 OLD HICKORY TREE RD, SAINT CLOUD, FL 34772-8943 |
| Document Number | 0054510143 |
| Instrument Date | Nov 09, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2019 |
| Name | Verified Name |
|---|---|
| Address | 2445 OLD HICKORY TREE RD ST CLOUD FL 347728943, ST CLOUD, FL 34772-8943 |
| Document Number | 0054510143 |
|---|---|
| Date | Dec 18, 2018 |
| Book Page | 005451/000143 |
| Instrument | 184663 |
| Name | SUPREME LNDG |
|---|---|
| Address | DALLAS, TX 75254 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 17, 2048 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,135.00 (+5.63%) Homeowner's exemption | $215,757 (+5.99%) | $399,900 (+8.23%) Land $176,800 Building $223,100 |
| 2024 | $2,968.00 (+2.24%) | ||
| 2023 | $2,903.00 (+4.54%) Homeowner's exemption | $203,570 (+3%) | $369,500 (+32.34%) Land $154,700 Building $214,800 |
| 2022 | $2,777.00 Homeowner's exemption | $197,641 | $279,200 Land $154,700 Building $124,500 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 173 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 173 in force |
| Nearby Flood Claims | 14 (1987–2022) |
| Claims Outside the SFHA | 2 of 14 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
| Wildfire Risk | Moderate above 50% of the US · lower than 79% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Lumen Technologies DSL · Fiber in parts of the area | 140 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Spectrum.
Based on FCC filings for 129 locations within half a mile of this property.
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 |
| 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.
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