2555 Old Hickory Tree Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2555 Old Hickory Tree Rd, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,332 sqft · built 2024
Lot Size	4.51 acres (196,456 sqft)
Owner	Individual Name on File
Last Sale	$392,000 (Jun 2022)
Tax Bill	$12,129 (2025)
Deeds & Mortgages	Mar 2023 Construction Loan Sep 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`97736`

Property Details

APN / Parcel Number

Primary APN	`97736`
Alternative APN	`182631495000010540`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	3 Plumbing Fixtures
Stories	1 Story
Building Area	3,332 sqft Heated Area
Gross Area	4,875 sqft
1st Floor Area	1,464 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Exterior Material	Metal
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	196,456 sqft (4.51 acres)
Garage Type	Finished
Garage Area	920 sqft

Exterior Amenities

Pool Area	88 sqft
Porch	Open Porch
Porch Area	812 sqft
Deck Area	473 sqft
Patio Area	840 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	97736
Street Address	2555 OLD HICKORY TREE RD
City	SAINT CLOUD
State	FL
Zip	34772-8945
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAC
Legal Description	S L & I C PB B PG 24 N 150 FT OF LOT 54 LESS THAT PORTION LYING WITHIN ABOVE SAID LEGAL COM AT NE COR OF NW 1/4 OF SW 1/4 OF
Legal Range	31E
Legal Township	26S
Legal Section	18
Legal Subdivision	SEMINOLE LAND&INV CO
Legal Tract	4950
Legal Block	1
Legal Lot Number	54
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1045
Census Tract	43301

Owner

Source: Osceola County assessment roll, as of July 1, 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
Co-owner	Verified Secondary Owner
Mailing Address	2555 OLD HICKORY TREE RD, SAINT CLOUD, FL 34772-8945
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2023	Deed of Trust, Mortgage · Construction Mortgage SOUTH STATE BANK NA
Sep 7, 2022	Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION
Jun 21, 2022	Special Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 21, 2022 · Amount on Record
Deed Sale	Jun 21, 2022 · Amount on Record
Prior Sale	Jun 21, 2022 · Amount on Record
Deed Document Number	0062370838
Deed Book / Page	6237 / 838
Last Transfer Date	Sep 7, 2022
Transfer Doc	0062812206
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2555 OLD HICKORY TREE RD, SAINT CLOUD, FL 34772-8945
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	810 N NARCOOSSEE RD, SAINT CLOUD, FL 34771-8780

Mortgage

Document Number	0063672467
Date	Mar 7, 2023
Book Page	6367/2467
Instrument	2023026436

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	CHARLESTON, SC 29406

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Apr 1, 2030
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	8%
Index	1-Year T-Bill
Max Rate	12%

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 7, 2022
Property Address	2555 OLD HICKORY TREE RD, SAINT CLOUD, FL 34772-8945
Document Number	0062812206
Book / Page	6281 / 2206
Instrument Date	Sep 6, 2022
Instrument	2022135936
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	870 N NARCOOSSEE RD, SAINT CLOUD, FL 34771-8780

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	810 N NAREOOSEE ROAD, SAINT CLOUD, FL 34771

June 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 21, 2022
Property Address	2555 OLD HICKORY TREE RD, SAINT CLOUD, FL 34772-8945
Document Number	0062370838
Book / Page	6237 / 838
Map Reference	MB B PG 24
Instrument Date	Jun 17, 2022
Instrument	2022097075
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$2,744.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 470419, KISSIMMEE, FL 34747-0419

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	870 N NARCOOSSEE RD, SAINT CLOUD, FL 34771-8780

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$12,129.00 (+944.7%) Homeowner's exemption	$864,900 (+940.79%) Land $91,800 Building $773,100	$864,900 (+940.79%) Land $91,800 Building $773,100
2023	$1,161.00 (+8.91%)	$83,100 (-) Land $81,600 Building $1,500	$83,100 (-) Land $81,600 Building $1,500
2022	$1,066.00	$83,100 Land $81,600 Building $1,500	$83,100 Land $81,600 Building $1,500

Assessed value is set for property tax purposes, not a market price estimate; it is 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 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	Hurricane Irma, Sep 2017 · 8 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 67% of the US · above 45% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation at the parcel

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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum, Xfinity.

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