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3084 Cherokee Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3084 Cherokee Rd, Saint Cloud, FL 34772 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms5 Beds
Bathrooms4 Baths
Year BuiltBuilt 2023
Square Footage2,523 sqft Living Area
Lot Size130,375 sqft (2.99 acres)
OccupancyOwner Occupied
Last Sale$265,000 (2021)
Tax Bill$11,480.00 (2025)

Property Details

APN / Parcel Number

Primary APN24-26-29-3670-0027-0080
Alternative APNs
  • 262924367000270080
  • 58775

Interior

Bedrooms5 Beds
Full Baths4 Baths
Building Area2,523 sqft Living Area
Gross Area5,164 sqft Gross Area
1st Floor2,523 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Architectural StyleCustom Design Style
Exterior MaterialConcrete Block Exterior
Construction TypeFrame Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area130,375 sqft (2.99 acres)
Garage TypeAttached Garage
Garage Area675 sqft Garage
Total Buildings2 Total Buildings
Porch Area30 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address3080 CHEROKEE RD
CitySAINT CLOUD
StateFL
Zip34772-7450
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionKISSIMMEE PARK PB 1 PG 41 BLK 27 S 1/2 LOT 8 & N 1/2 LOT 9 LESS COM AT NELY COR LOT 8, S 20 DEG W 388.06 FT TO POB; CONT S 20 DEG W 107 FT, N 69 DEG W 659.76 FT, N 20 DEG E 165 FT, S 69 DEG E 289.58 FT, S 20 DEG W 58 FT, S 69 DEG E 370 FT TO POB
Legal Range29E
Legal Township26S
Legal Section24
Legal SubdivisionKISSIMMEE PARK
Legal Tract3670
Legal Block27
Legal Lot Number8
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1005
Census Tract43209

Owner

Source: Osceola County records · APN 24-26-29-3670-0027-0080

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 Record2 Individual Names on File
Mailing Address3080 CHEROKEE RD, SAINT CLOUD, FL 34772-7450
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Sep 16, 2022Deed of Trust, Mortgage · Conventional Mortgage
CENTENNIAL BANK
Nov 22, 2021Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
UNITED WHOLESALE MORTGAGE
Dec 23, 2019Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
UNITED WHOLESALE MORTGAGE
May 17, 2018Quit Claim Deed, Transfer
Quitclaim Document

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 22, 2021 · Amount on Record
Deed SaleNov 22, 2021 · Amount on Record
Prior SaleNov 27, 2012 · Amount on Record
Deed Doc Number2021181006
Deed Book / Page6091 / 2945
Prior Transfer DateMar 16, 2001
Prior Transfer Doc1852002743
Record RefreshedSep 20, 2026

September 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3084 CHEROKEE RD, SAINT CLOUD, FL 34772-7450
Transaction TypeMortgage
Record UpdatedJan 22, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address3080 CHEROKEE RD, SAINT CLOUD, FL 34772-7450

Mortgage

Document Number0062871726
DateSep 16, 2022
Book Page6287/1726
Instrument2022141335
Lender
NameCENTENNIAL BANK
TypeBank
AddressCONWAY, AR 72033
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term373 Months
DueOct 01, 2053
Interest
Rate TypeAdjustable Rate
Rate4.75%
Type Change DateOct 01, 2028
Change FrequencyAnnually
Min Rate At Change3.5%
Max Rate At Change10.7%
IndexOther
Max Rate10.7%

November 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 22, 2021
Property Address3084 CHEROKEE RD, SAINT CLOUD, FL 34772-7450
Document Number0060912945
Book / Page6091 / 2945
Instrument DateNov 19, 2021
Instrument2021181006
Transaction TypeTransfer
Record UpdatedJan 22, 2024
Title CompanyNOT AVAILABLE, THE TITLE & ESCROW FIRM LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,855.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address2440 CHEROKEE RD, SAINT CLOUD, FL 34772-7428

Transferred To (Grantee/Buyer)

NameVerified Name
Address3080 CHEROKEE RD, SAINT CLOUD, FL 34772-7450

Mortgage

Document Number0060912947
DateNov 22, 2021
Instrument6091/2947
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2051

December 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3080 CHEROKEE RD, SAINT CLOUD, FL 34772-7450
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0056451192
DateDec 23, 2019
Book Page5645/1192
Instrument2019166039
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2050

May 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateMay 17, 2018
Property Address3080 CHEROKEE RD, SAINT CLOUD, FL 34772-7450
Document Number0053360242
Book / Page005336 / 000242
Instrument DateDec 05, 2015
Instrument78591
Transaction TypeTransfer
Record UpdatedJun 13, 2018

Transaction

Tax$0.00
Additional
  • Quitclaim Document

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3080 CHEROKEE ROAD ST ST CLOUD FL 34772, ST CLOUD, FL 34772

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$11,480.00 (+298.47%) Homeowner's exemption$789,100 (+270.82%) Land $209,500 Building $579,600$789,100 (+270.82%) Land $209,500 Building $579,600
2023$2,881.00 (-19.91%)$212,800 (-1.57%) Land $209,500 Building $3,300$212,800 (-1.57%) Land $209,500 Building $3,300
2022$3,597.00$216,200 Land $113,700 Building $102,500$216,200 Land $113,700 Building $102,500

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone AE
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood Elevation57.0 ft

Wildfire

Wildfire RiskHigh
above 76% of the US · above 63% of Florida
Wildfire LikelihoodAbout 1 in 214 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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