3450 Hickory Tree Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3450 Hickory Tree Rd, Saint Cloud, FL 34772 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	3 Baths
Year Built	Built 2021
Square Footage	2,340 sqft Living Area
Lot Size	103,411 sqft (2.37 acres)
Occupancy	Owner Occupied
Last Sale	$115,000 (2021)
Tax Bill	$5,942.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`19-26-31-4950-0001-1120`
Alternative APNs	`263119495000011120` `97844`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,340 sqft Living Area
Gross Area	3,167 sqft Gross Area
1st Floor	2,340 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Concrete Block Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	103,411 sqft (2.37 acres)
Garage Type	Attached Garage
Garage Area	470 sqft Garage

Exterior Amenities

Pool Type	In-Ground Pool Pool Type
Pool Area	64 sqft Pool
Deck Area	640 sqft Deck
Patio Area	1,779 sqft Patio

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	3450 HICKORY TREE RD
City	SAINT CLOUD
State	FL
Zip	34772-8964
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	S L & I C PB B PG 25 N 1/2 LOT 112
Legal Range	31E
Legal Township	26S
Legal Section	19
Legal Subdivision	S L & I C
Legal Tract	4950
Legal Block	1120
Legal Lot Number	112
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1021
Census Tract	43304

Owner

Source: Osceola County records · APN 19-26-31-4950-0001-1120

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 Record	2 Individual Names on File
Mailing Address	3450 HICKORY TREE RD, SAINT CLOUD, FL 34772-8964
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 29, 2021 · Amount on Record
Deed Sale	Apr 29, 2021 · Amount on Record
Deed Doc Number	202165933
Deed Book / Page	5947 / 1942
Last Transfer Date	Aug 14, 2025
Transfer Doc	0068391585
Record Refreshed	Sep 20, 2026

April 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 29, 2021
Property Address	3450 HICKORY TREE RD, SAINT CLOUD, FL 34772-8964
Document Number	0059471942
Book / Page	5947 / 1942
Map Reference	MB B PG 25
Instrument Date	Apr 29, 2021
Instrument	2021065933
Transaction Type	Construction Loan
Record Updated	Jan 10, 2023
Title Company	NOT AVAILABLE, A CLEAR CHOICE T&E

Transaction

Amount	Amount Recorded
Tax	$805.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	107 E 13TH ST, SAINT CLOUD, FL 34769-4749

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4706 YAMATO CT, ORLANDO, FL 32837-4724

Mortgage

Document Number	0059471943
Date	Apr 29, 2021
Instrument	5947/1943

Lender

Name	GATEWAY FIRST BANK
Type	Bank

Agreement

Type	Building or Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 29, 2022

Interest

Rate Type	Adjustable Rate
Rate	3.7%
Type Change Date	May 01, 2021
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).
Min Rate At Change	3.7%
Max Rate At Change	4.7%
Index	Prime Rate
Max Rate	8.7%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,942.00 (+4.54%)	$423,362 (+5.99%)	$592,700 (+3.84%) Land $119,700 Building $473,000
2024	$5,684.00 (+2.07%)
2023	$5,569.00 (+15.2%) Homeowner's exemption Disabled Person's exemption	$399,448 (+15.68%)	$570,800 (+27.21%) Land $119,700 Building $451,100
2022	$4,834.00 Homeowner's exemption Disabled Person's exemption	$345,290	$448,700 Land $94,800 Building $353,900

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 Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft

Wildfire

Wildfire Risk	Moderate above 59% of the US · above 31% of Florida
Wildfire Likelihood	About 1 in 595 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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