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3091 Old Hickory Tree Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3091 Old Hickory Tree Rd, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,476 sqft · built 2017
Lot Size1.78 acres (77,929 sqft)
OwnerIndividual Name on File
Last Sale$89,000 (Sep 2016)
Tax Bill$4,467 (2025)
Deeds & MortgagesMar 2017 Loan Modification
Flood ZoneZone X (minimal risk)
APN163788

Property Details

APN / Parcel Number

Primary APN163788
Alternative APN
  • 192631495000010312

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories2 Stories
Building Area2,476 sqft Heated Area
Gross Area3,239 sqft
1st Floor Area2,248 sqft
Upper Floors Area228 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2017
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area77,929 sqft (1.78 acres)
Garage TypeFinished
Garage Area573 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area190 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number163788
Street Address3091 OLD HICKORY TREE RD
CitySAINT CLOUD
StateFL
Zip34772-8905
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionS L & I C PB B PG 25 BEG AT NE COR LOT 31, S00-30-10W 249.09 FT, N89-38-39W 313.90 FT, N00-30-09E 249.27 FT, S89-36-38E
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionSEMINOLE LAND&INV CO
Legal TractA
Legal Block1
Legal Lot Number31
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1044
Census Tract43301

Owner

Source: Osceola County records · APN 163788

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address3091 OLD HICKORY TREE RD, SAINT CLOUD, FL 34772-8905
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 29, 2016 · Amount on Record
Deed SaleSep 29, 2016 · Amount on Record
Deed Document Number2016148289
Deed Book / Page5032 / 2983
Record UpdatedJun 08, 2026

March 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address3091 OLD HICKORY TREE RD, SAINT CLOUD, FL 34772-8905
Document Number0051431764
Book / Page005143 / 001764
Instrument DateMar 17, 2017
Transaction TypeMortgage
Record UpdatedJun 26, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
Address3091 OLD HICKORY TREE RD ST CLOUD FL 347728905, ST CLOUD, FL 34772-8905

Mortgage

Document Number0051431764
DateMay 05, 2017
Book Page005143/001764
Instrument66732
Lender
NameGATEWAY MTG
TypeMortgage Company
AddressJENKS, OK 74037
Agreement
AmountAmount Recorded
Term180 Months
DueMay 04, 2032
Interest
Rate TypeFixed Rate
Rate3.5%

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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$4,467.00 (+7.12%) Homeowner's exemption$311,874 (+5.99%)$647,200 (+3.62%) Land $79,600 Building $567,600
2023$4,170.00 (+4.04%) Homeowner's exemption$294,258 (+3%)$624,600 (+60.86%) Land $70,800 Building $553,800
2022$4,008.00 Homeowner's exemption$285,688$388,300 Land $70,800 Building $317,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 173 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies173 in force
Nearby Flood Claims14 (1987–2022)
Claims Outside the SFHA2 of 14
Most Recent ClaimSep 2022, river or lake flooding, Hurricane Ian
Claims By Storm
  • Hurricane Irma, Sep 2017 · 8 claims

Wildfire

Wildfire RiskModerate
above 64% of the US · above 40% of Florida
Wildfire LikelihoodAbout 1 in 446 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 329 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber2,000 / 1,000
SpectrumCable1,000 / 1,000

May also be available at this address: Verizon, Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

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