Osceola County property record for 3454 Hickory Tree Rd, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,180 sqft · built 2007 |
| Lot Size | 2.36 acres (103,237 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $160,000 (Sep 2006) |
| Tax Bill | $3,740 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 131513 |
| Primary APN | 131513 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 3,180 sqft Heated Area |
| Gross Area | 4,392 sqft |
| 1st Floor Area | 3,180 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 103,237 sqft (2.36 acres) |
| Garage Type | Finished |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 660 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 131513 |
|---|---|
| Street Address | 3454 HICKORY TREE RD |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8964 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S L & I C PB B PG 25 S 1/2 LOT 112 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 19 |
| Legal Subdivision | ST CLOUD MANOR EST 1 |
| Legal Tract | 4950 |
| Legal Block | 1 |
| Legal Lot Number | 112 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 43304 |
Source: Osceola County records · APN 131513
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 Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 3454 HICKORY TREE RD, SAINT CLOUD, FL 34772-8964 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Oct 28, 2025 | Deed of Trust, Mortgage · Line of Credit ADDITION FINANCIAL CU |
| Nov 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 19, 2006 · Amount on Record |
| Deed Sale | Sep 19, 2006 · Amount on Record |
| Prior Sale | Mar 22, 2005 · Amount on Record |
| Deed Document Number | 2006229871 |
| Deed Book / Page | 3280 / 0451 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3454 HICKORY TREE RD, SAINT CLOUD, FL 34772-8964 |
| Transaction Type | Mortgage |
| Record Updated | Nov 07, 2025 |
| Title Company | PRIMERA TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 3454 HICKORY TREE RD, SAINT CLOUD, FL 34772-8964 |
| Document Number | 0068712201 |
|---|---|
| Date | Oct 28, 2025 |
| Book Page | 6871/2201 |
| Instrument | 2025133495 |
| Name | ADDITION FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | LAKE MARY, FL 32746 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Oct 27, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3454 HICKORY TREE RD, SAINT CLOUD, FL 34772-8964 |
| Transaction Type | Mortgage |
| Record Updated | Aug 01, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3454 HICKORY TREE RD, SAINT CLOUD, FL 34772-8964 |
| Document Number | 0058401274 |
|---|---|
| Date | Nov 25, 2020 |
| Book Page | 5840/1274 |
| Instrument | 2020161656 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2050 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $3,740.00 (+7.53%) Homeowner's exemption | $259,372 (+5.99%) | $647,300 (+3.9%) Land $119,700 Building $527,600 |
| 2023 | $3,478.00 (+4.26%) Homeowner's exemption | $244,722 (+3%) | $623,000 (+19.26%) Land $119,700 Building $503,300 |
| 2022 | $3,336.00 Homeowner's exemption | $237,595 | $522,400 Land $94,800 Building $427,600 |
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
| 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 100 ft |
| 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.
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