3071 Old Hickory Tree Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3071 Old Hickory Tree Rd, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,243 sqft · built 2013
Lot Size	1.85 acres (80,586 sqft)
Owner	Individual Name on Record
Last Sale	$440,000 (Apr 2021)
Tax Bill	$5,081 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`97798`

Property Details

APN / Parcel Number

Primary APN	`97798`
Alternative APN	`192631495000010310`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,243 sqft Heated Area
Gross Area	3,217 sqft
1st Floor Area	1,911 sqft
Upper Floors Area	332 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2018
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	80,586 sqft (1.85 acres)
Garage Type	Finished
Garage Area	517 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	457 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	97798
Street Address	3071 OLD HICKORY TREE RD
City	SAINT CLOUD
State	FL
Zip	34772-8905
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAC
Legal Description	S L & I C PB B PG 25 LOT 31 LESS COM AT NE COR OF LOT 31, S 249.09 FT TO POB; CONT S 43 FT, N 89 DEG W 540.42 FT, N 64 DEG W
Legal Range	31E
Legal Township	26S
Legal Section	19
Legal Subdivision	SEMINOLE LAND&INV CO
Legal Tract	4950
Legal Block	1
Legal Lot Number	31
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1044
Census Tract	43301

Owner

Source: Osceola County records, as of December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	3071 OLD HICKORY TREE RD, SAINT CLOUD, FL 34772-8905
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2021	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Jun 7, 2019	Deed of Trust, Mortgage WATERSTONE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2021 · Amount on Record
Deed Sale	Apr 20, 2021 · Amount on Record
Prior Sale	Sep 4, 2013 · Amount on Record
Deed Document Number	2021059431
Deed Book / Page	5939 / 803
Record Updated	Jun 8, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 20, 2021
Property Address	3071 OLD HICKORY TREE RD, SAINT CLOUD, FL 34772-8905
Document Number	0059390803
Book / Page	5939 / 803
Map Reference	MB B PG 25
Instrument Date	Apr 19, 2021
Instrument	2021059431
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	DYNASTY TITLE, DYNASTY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,080.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3071 OLD HICKORY TREE RD, SAINT CLOUD, FL 34772-8905

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2481 PINE CHASE CIR, SAINT CLOUD, FL 34769-6504

Mortgage

Document Number	0005939805
Date	Apr 20, 2021
Instrument	5939/805

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3071 OLD HICKORY TREE RD, SAINT CLOUD, FL 34772-8905
Document Number	0055380360
Instrument Date	Jun 7, 2019
Transaction Type	Mortgage
Record Updated	Jun 21, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	784 SENECA TRL ST CLOUD FL 347727781, ST CLOUD, FL 34772-7781

Mortgage

Document Number	0055380360
Date	Jun 10, 2019
Book Page	005538/000360
Instrument	74308

Lender

Name	WATERSTONE MTG
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 9, 2049

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	$5,081.00 (+6.88%) Homeowner's exemption	$356,203 (+5.99%)	$573,100 (+4.14%) Land $116,600 Building $456,500
2023	$4,754.00 (+3.91%) Homeowner's exemption	$336,083 (+3%)	$550,300 (+52.9%) Land $103,600 Building $446,700
2022	$4,575.00 Homeowner's exemption	$326,295	$359,900 Land $103,600 Building $256,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 64% of the US · above 40% 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 329 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon, Xfinity.

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