Osceola County property record for 3601 Charmed Ln, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2016 |
| Square Footage | 1,970 sqft Heated Area |
| Lot Size | 9,583 sqft (0.219 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $229,394 (2016) |
| Tax Bill | $3,813.00 (2025) |
| Primary APN | 342630009600014070 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,970 sqft Heated Area |
| Gross Area | 2,908 sqft Gross Area |
| 1st Floor | 1,970 sqft 1st Floor |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2016 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 9,583 sqft (0.219 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 438 sqft Garage |
| Pool Area | 40 sqft Pool |
|---|---|
| Fence | Fence |
| Deck Area | 410 sqft Deck |
| Porch | Open Porch |
| Porch Area | 500 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3601 CHARMED LN |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7601 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | ESPRIT PH 3C PB 22 PG 146-149 LOT 407 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 34 |
| Legal Subdivision | ESPRIT |
| Legal Phase | 3C |
| Legal Tract | 96 |
| Legal Block | 1 |
| Legal Lot Number | 407 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2038 |
| Census Tract | 43207 |
Source: Osceola County records · APN 342630009600014070
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 | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3601 CHARMED LN, SAINT CLOUD, FL 34772-7601 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Oct 28, 2019 | Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI) QUICKEN LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 03, 2016 · Amount on Record |
| Deed Sale | Jun 03, 2016 · Amount on Record |
| Deed Doc Number | 2016084339 |
| Deed Book / Page | 4970 / 2269 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3601 CHARMED LN, SAINT CLOUD, FL 34772-7601 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3601 CHARMED LN, SAINT CLOUD, FL 34772-7601 |
| Document Number | 0060222459 |
|---|---|
| Date | Aug 16, 2021 |
| Book Page | 6022/2459 |
| Instrument | 2021126188 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3601 CHARMED LN, SAINT CLOUD, FL 34772-7601 |
| Document Number | 0056170712 |
| Instrument Date | Oct 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 3601 CHARMED LN ST CLOUD FL 347727601, ST CLOUD, FL 34772-7601 |
| Document Number | 0056170712 |
|---|---|
| Date | Nov 04, 2019 |
| Book Page | 005617/000712 |
| Instrument | 142584 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 03, 2049 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| 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 | $3,813.00 (+6.24%) Homeowner's exemption | $255,904 (+5.99%) | $372,900 (+0.08%) Land $75,000 Building $297,900 |
| 2023 | $3,589.00 (+18.84%) Homeowner's exemption | $241,449 (+15.11%) | $372,600 (+24.78%) Land $60,000 Building $312,600 |
| 2022 | $3,020.00 Homeowner's exemption | $209,757 | $298,600 Land $55,000 Building $243,600 |
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 500 ft |
| Wildfire Risk | Moderate above 68% of the US · above 48% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 301 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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