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3120 Cherokee Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3120 Cherokee Rd, Saint Cloud, FL 34772 · Last verified August 2026

Property Summary

Property TypeVacant Land
Lot Size2 acres (87,424 sqft)
Owner2 Individual Names on File
Last Sale$167,500 (Jul 2023)
Tax Bill$1,946 (2025)
Deeds & MortgagesJul 2023 Sale & Mortgage
Mar 2024 Sale
Flood ZoneZone AE (high risk)
APN24-26-29-3670-0027-0095

Property Details

APN / Parcel Number

Primary APN24-26-29-3670-0027-0095
Alternative APNs
  • 262924367000270095
  • 58778

Exterior

Lot Area87,424 sqft (2 acres)

Location & Zoning

Street Address3120 CHEROKEE RD
CitySAINT CLOUD
StateFL
Zip34772-9101
Property CategoryVacant Land
Property TypeVacant Land > Uncategorized
Legal DescriptionKISSIMMEE PARK PB 1 PG 41 BLK 27 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
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1005
Census Tract43209

Owner

Source: Osceola County records · APN 24-26-29-3670-0027-0095

Assessment roll updated November 26, 2025 · Last verified August 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 Address542 ALBATROSS DR, KISSIMMEE, FL 34759-4410
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Jul 11, 2023Warranty Deed, Transfer · Conventional Mortgage
CENTENNIAL BANK
Mar 08, 2024Warranty Deed, Transfer
WATSON TITLE SERVICES INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 11, 2023 · Amount on Record
Deed SaleJul 11, 2023 · Amount on Record
Prior SaleOct 28, 2016 · Amount on Record
Deed Document Number202388881
Deed Book / Page6438 / 1666
Prior Transfer DateJul 07, 2023
Prior Transfer Doc0065620008
Record UpdatedSep 20, 2026

July 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 11, 2023
Property Address3120 CHEROKEE RD, SAINT CLOUD, FL 34772-9101
Document Number0064381666
Book / Page6438 / 1666
Map ReferenceMB 1 PG 41
Instrument DateJul 07, 2023
Instrument2023088881
Transaction TypeTransfer
Record UpdatedJan 22, 2024
Title CompanyWATSON TITLE SERVICES INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,172.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3237 WAUSEON DR, SAINT CLOUD, FL 34772-8971

Transferred To (Grantee/Buyer)

NameVerified Name
Address542 ALBATROSS DR, KISSIMMEE, FL 34759-4410

Mortgage

Document Number0064381668
DateJul 11, 2023
Instrument6438/1668
Lender
NameCENTENNIAL BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2053
Interest
Rate TypeAdjustable Rate
Rate8.5%
Type Change DateAug 01, 2028
Change FrequencyAnnually
Min Rate At Change6.5%
Max Rate At Change10.5%
Index1-Year T-Bill
Max Rate14.5%

March 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 08, 2024
Property Address3120 CHEROKEE RD, SAINT CLOUD, FL 34772-9101
Document Number0065620008
Book / Page6562 / 8
Map ReferenceMB 1 PG 41
Instrument DateJul 07, 2023
Instrument2024030413
Transaction TypeTransfer
Record UpdatedApr 05, 2024
Title CompanyWATSON TITLE SERVICES INC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address542 ALBATROSS DR, KISSIMMEE, FL 34759-4410

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$1,946.00 (+0.36%)$140,500 (-) Land $140,500$140,500 (-) Land $140,500
2024$1,939.00 (+33.63%)
2023$1,451.00 (+39.92%)$140,500 (+84.14%) Land $140,500$140,500 (+84.14%) Land $140,500
2022$1,037.00$76,300 Land $76,300$76,300 Land $76,300

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 120970432091, 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 AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation57.0 ft
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 136 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies136 in force
Nearby Flood Claims4 (2011–2022)
Claims Outside the SFHA1 of 4
Most Recent ClaimOct 2022, other causes, Hurricane Ian
Claims By Storm
  • Hurricane Ian, Oct 2022 · 2 claims

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; 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 33 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable1,200 / 35
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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