Osceola County property record for 2945 Cherokee Rd, Saint Cloud, FL 34772 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1974 |
| Square Footage | 2,252 sqft Living Area |
| Lot Size | 106,547 sqft (2.44 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $160,000 (2017) |
| Tax Bill | $3,748.00 (2024) |
| Primary APN | 24-26-29-3670-0015-0040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,252 sqft Living Area |
| Gross Area | 3,700 sqft Gross Area |
| 1st Floor | 2,252 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Custom Design Style |
| Exterior Material | Combination Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Metal Roof |
| Lot Area | 106,547 sqft (2.44 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Carport Garage |
| Garage Area | 600 sqft Garage |
| Carport | Carport |
| Carport Area | 600 sqft Carport |
| Total Buildings | 2 Total Buildings |
|---|---|
| Shed | 1 Shed |
| Shed Area | 220 sqft Shed |
| Patio Area | 120 sqft Patio |
| Porch Area | 248 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 2945 CHEROKEE RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7435 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | KISSIMMEE PARK PB 1 PG 41 BLK 15 LOT 4 LESS E 300 FT LESS RD R/W |
| Legal Range | 29E |
| Legal Township | 26S |
| Legal Section | 24 |
| Legal Subdivision | KISSIMMEE PARK |
| Legal Tract | 3670 |
| Legal Block | 15 |
| Legal Lot Number | 4 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1004 |
| Census Tract | 43209 |
Source: Osceola County records · APN 24-26-29-3670-0015-0040
Assessment roll updated November 26, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 2945 CHEROKEE RD, SAINT CLOUD, FL 34772-7435 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 15, 2021 | Deed of Trust, Mortgage · Veterans Administration Mortgage 1ST RATE HOME MORTGAGE INC |
| Mar 29, 2019 | Deed of Trust, Mortgage · Veterans Administration Mortgage USAA |
| Aug 02, 2017 | Warranty Deed, Transfer · Veterans Administration Mortgage MORTGAGE LENDERS/AMERICA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 02, 2017 · Amount on Record |
| Deed Sale | Aug 02, 2017 · Amount on Record |
| Deed Doc Number | 2017111472 |
| Deed Book / Page | 5188 / 502 |
| Prior Transfer Date | Jul 31, 2017 |
| Prior Transfer Doc | 0051880502 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2945 CHEROKEE RD, SAINT CLOUD, FL 34772-7435 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2021 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO |
| Name | Verified Name |
|---|---|
| Address | 2945 CHEROKEE RD, SAINT CLOUD, FL 34772-7435 |
| Document Number | 0060652735 |
|---|---|
| Date | Oct 15, 2021 |
| Book Page | 6065/2735 |
| Instrument | 2021160735 |
| Name | 1ST RATE HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | TEMPE, AZ 85283 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Oct 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2945 CHEROKEE RD, SAINT CLOUD, FL 34772-7435 |
| Document Number | 0055021021 |
| Instrument Date | Mar 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 18, 2019 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 2945 CHEROKEE RD ST CLOUD FL 347727435, ST CLOUD, FL 34772-7435 |
| Document Number | 0055021021 |
|---|---|
| Date | Apr 03, 2019 |
| Book Page | 005502/001021 |
| Instrument | 42274 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 02, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 02, 2017 |
| Property Address | 2945 CHEROKEE RD, SAINT CLOUD, FL 34772-7435 |
| Document Number | 0051880502 |
| Book / Page | 005188 / 000502 |
| Instrument Date | Jul 31, 2017 |
| Instrument | 111472 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2017 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,120.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 2945 CHEROKEE RD ST CLOUD FL 347727435, ST CLOUD, FL 34772-7435 |
| Document Number | 51880503 |
|---|---|
| Date | Aug 02, 2017 |
| Book Page | 005188/000503 |
| Instrument | 111473 |
| Name | MORTGAGE LENDERS/AMERICA |
|---|---|
| Type | Mortgage Company |
| Address | OVERLAND PARK, KS 66211 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2047 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 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 | $4,004.00 (+6.83%) Homeowner's exemption Veteran's exemption | $231,998 (+5.99%) | $456,200 (+1.9%) Land $170,800 Building $285,400 |
| 2024 | $3,748.00 (+2.15%) | ||
| 2023 | $3,669.00 (+5.1%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $218,894 (+3%) | $447,700 (+34.4%) Land $170,800 Building $276,900 |
| 2022 | $3,491.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $212,519 | $333,100 Land $92,700 Building $240,400 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | High above 78% of the US · above 65% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 180 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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