3501 Home Town Ln, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3501 Home Town Ln, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,527 sqft · built 2005
Lot Size	0.06 acres (2,613 sqft)
Owner	2 Individual Names on File
Last Sale	$318,000 (Dec 2022)
Tax Bill	$4,396 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Oct 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`03-26-30-0851-0001-0300`

Property Details

APN / Parcel Number

Primary APN	`03-26-30-0851-0001-0300`
Alternative APNs	`263003085100010300` `127513`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,527 sqft Living Area
Gross Area	2,002 sqft
1st Floor Area	1,527 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	2,613 sqft (0.06 acres)
Garage Type	Attached
Garage Area	299 sqft
Parking Spaces	1 Parking Space
Porch	Florida Room
Porch Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3501 HOME TOWN LN
City	SAINT CLOUD
State	FL
Zip	34769-1918
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR3
Legal Description	TOWN CENTER VILLAS PB 17 PGS 44-45 LOT 30
Legal Range	30E
Legal Township	26S
Legal Section	03
Legal Subdivision	TOWN CENTER VILLAS
Legal Tract	851
Legal Block	300
Legal Lot Number	30
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2004
Census Tract	43203

Owner

3501 Home Town Ln is owned by two individuals who bought it in December 2022.

Source: Osceola County records, as of November 26, 2025

Owner of Record	2 Individual Names on File
Mailing Address	3501 HOME LN, SAINT CLOUD, FL 34769
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKLAND TRUST CO
Oct 19, 2018	Warranty Deed, Transfer FEDERATED TITLE AND TRUST LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2022 · Amount on File
Deed Sale	Dec 1, 2022 · Amount on File
Prior Sale	Oct 19, 2018 · Amount on File
Deed Document Number	2022173253
Deed Book / Page	6323 / 1325
Prior Transfer Date	Mar 4, 2015
Prior Transfer Doc	0047451657
Record Updated	Jun 8, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 1, 2022
Property Address	3501 HOME TOWN LN, SAINT CLOUD, FL 34769-1918
Document Number	0063231325
Book / Page	6323 / 1325
Map Reference	MB 17 PG 44&45
Instrument Date	Oct 26, 2022
Instrument	2022173253
Transaction Type	Transfer
Record Updated	Dec 15, 2022
Title Company	FEDERATED TITLE AND TRUST LLC, FEDERATED LAND TTL & TR LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,226.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1360 SALERNO AVE SE, PALM BAY, FL 32909-5219

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3501 HOME TOWN LN, SAINT CLOUD, FL 34769-1918

Mortgage

Document Number	0063231327
Date	Dec 1, 2022
Instrument	6323/1327

Lender

Name	ROCKLAND TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Nov 1, 2052

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 19, 2018
Property Address	3501 HOME TOWN LN, SAINT CLOUD, FL 34769-1918
Document Number	0054201102
Book / Page	005420 / 001102
Instrument Date	Oct 15, 2018
Instrument	157104
Transaction Type	Transfer
Record Updated	Nov 1, 2018
Title Company	FEDERATED TITLE AND TRUST LLC

Transaction

Amount	Amount on Record
Tax	$1,277.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3501 HOME TOWN LN ST CLOUD FL 347691918, ST CLOUD, FL 34769-1918

Tax Assessment & Valuation

The 2025 property tax bill for 3501 Home Town Ln was $4,396, down 1.4% from the year before.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,396.00 (-1.43%)	$245,400 Land $38,000 Building $207,400	$245,400 Land $38,000 Building $207,400
2024	$4,460.00 (+3.89%)
2023	$4,293.00 (+570.78%)	$238,200 (+206.64%) Land $14,900 Building $223,300	$238,200 (+34.96%) Land $14,900 Building $223,300
2022	$640.00 Homeowner's exemption	$77,681	$176,500 Land $14,900 Building $161,600

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 3501 Home Town Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2017.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 71 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	71 in force
Nearby Flood Claims	2 (2017)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims

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.

Wildfire

Wildfire risk around 3501 Home Town Ln is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 263 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: AT&T, CenturyLink.

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