Osceola County property record for 3602 Charmed Ln, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2016 |
| Square Footage | 1,510 sqft Heated Area |
| Lot Size | 7,405 sqft (0.169 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $194,845 (2016) |
| Tax Bill | $2,698.00 (2025) |
| Primary APN | 342630009600014090 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,510 sqft Heated Area |
| Gross Area | 2,098 sqft Gross Area |
| 1st Floor | 1,510 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 | 7,405 sqft (0.169 acres) |
| Depth X Width | 120 ft x 63 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 420 sqft Garage |
| Porch | Open Porch |
| Porch Area | 168 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3602 CHARMED LN |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7600 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | ESPRIT PH 3C PB 22 PG 146-149 LOT 409 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 34 |
| Legal Subdivision | ESPRIT |
| Legal Phase | 3C |
| Legal Tract | 96 |
| Legal Block | 1 |
| Legal Lot Number | 409 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2037 |
| Census Tract | 43207 |
Source: Osceola County records · APN 342630009600014090
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 | 3602 CHARMED LN, SAINT CLOUD, FL 34772-7600 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 14, 2023 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage ROCKET MORTGAGE LLC |
| Aug 06, 2021 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 02, 2016 · Amount on Record |
| Deed Sale | Mar 02, 2016 · Amount on Record |
| Deed Doc Number | 2016030268 |
| Deed Book / Page | 4921 / 2550 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3602 CHARMED LN, SAINT CLOUD, FL 34772-7600 |
| Transaction Type | Mortgage |
| Record Updated | Mar 28, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3602 CHARMED LN, SAINT CLOUD, FL 34772-7600 |
| Document Number | 0063702969 |
|---|---|
| Date | Mar 14, 2023 |
| Book Page | 6370/2969 |
| Instrument | 2023029238 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3602 CHARMED LN, SAINT CLOUD, FL 34772-7600 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3602 CHARMED LN, SAINT CLOUD, FL 34772-7600 |
| Document Number | 0060180068 |
|---|---|
| Date | Aug 06, 2021 |
| Book Page | 6018/68 |
| Instrument | 2021122248 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 05, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
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 | $2,698.00 (+6.81%) Homeowner's exemption Disabled Person's exemption | $198,647 (+5.99%) | $305,400 (+0.96%) Land $78,800 Building $226,600 |
| 2023 | $2,526.00 (+0.6%) Homeowner's exemption Disabled Person's exemption | $187,427 (+3%) | $302,500 (+15.86%) Land $63,000 Building $239,500 |
| 2022 | $2,511.00 Homeowner's exemption Disabled Person's exemption | $181,968 | $261,100 Land $57,800 Building $203,300 |
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 | High above 72% of the US · above 54% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 266 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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