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3194 Cherokee Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3194 Cherokee Rd, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,787 sqft · built 1999
Lot Size5 acres (217,800 sqft)
OwnerIndividual Name on File
Tax Bill$3,045 (2025)
Deeds & MortgagesJun 2022 Line of Credit
Nov 2020 Mortgage
+ 1 more
Flood ZoneZone AE (high risk)
APN58786

Property Details

APN / Parcel Number

Primary APN58786
Alternative APN
  • 242629367000270120

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area1,787 sqft Heated Area
Gross Area2,935 sqft
1st Floor Area1,787 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1999
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area217,800 sqft (5 acres)
Garage TypeFinished
Garage Area680 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area468 sqft
Patio Area392 sqft
Shed1 Shed
Shed Area192 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number58786
Street Address3194 CHEROKEE RD
CitySAINT CLOUD
StateFL
Zip34772-9101
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionKISSIMMEE PARK PB 1 PG 041 BLK 27 LOT 12
Legal Range29E
Legal Township26S
Legal Section24
Legal SubdivisionKISSIMMEE PARK
Legal Tract3670
Legal Block27
Legal Lot Number12
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1005
Census Tract43209

Owner

Source: Osceola County records · APN 58786

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 Address3194 CHEROKEE RD, SAINT CLOUD, FL 34772-9101
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 20, 2022Deed of Trust, Mortgage · Line of Credit
BANK OF AMERICA NA
Nov 03, 2020Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LOANS LLC
Mar 09, 2020Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LNS

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 15, 2001
Deed SaleNov 15, 2001
Record UpdatedJun 08, 2026

June 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3194 CHEROKEE RD, SAINT CLOUD, FL 34772-9101
Transaction TypeMortgage
Record UpdatedJul 01, 2022
Title CompanyTITLE365

Transferred To (Grantee/Buyer)

NameVerified Name
Address3194 CHEROKEE RD, SAINT CLOUD, FL 34772-9101

Mortgage

Document Number0062361416
DateJun 20, 2022
Book Page6236/1416
Instrument2022096359
Lender
NameBANK OF AMERICA NA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJun 08, 2052
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3194 CHEROKEE RD, SAINT CLOUD, FL 34772-9101
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0058250559
DateNov 03, 2020
Book Page5825/559
Instrument2020149169
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueNov 01, 2035

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3194 CHEROKEE RD, SAINT CLOUD, FL 34772-9101
Document Number0056911976
Instrument DateMar 09, 2020
Transaction TypeMortgage
Record UpdatedMay 26, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3194 CHEROKEE RD ST CLOUD FL 347729101, ST CLOUD, FL 34772-9101

Mortgage

Document Number0056911976
DateMar 13, 2020
Book Page005691/001976
Instrument36756
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueMar 12, 2035

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$3,045.00 (+8.09%) Homeowner's exemption$209,212 (+5.99%)$517,800 (+1.17%) Land $250,000 Building $267,800
2023$2,817.00 (+4.6%) Homeowner's exemption$197,395 (+3%)$511,800 (+41.03%) Land $250,000 Building $261,800
2022$2,693.00 Homeowner's exemption$191,646$362,900 Land $140,000 Building $222,900

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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