3603 Charmed Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3603 Charmed Ln, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,677 sqft · built 2016
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$380,000 (Nov 2022)
Tax Bill	$4,817 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Nov 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`342630009600014060`

Property Details

APN / Parcel Number

Primary APN	`342630009600014060`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,677 sqft Heated Area
Gross Area	2,267 sqft
1st Floor Area	1,677 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Lot Dimensions	120 ft deep x 63 ft wide
Garage Type	Finished
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3603 CHARMED LN
City	SAINT CLOUD
State	FL
Zip	34772-7601
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ESPRIT PH 3C PB 22 PG 146-149 LOT 406
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT
Legal Phase	3C
Legal Tract	96
Legal Block	1
Legal Lot Number	406
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2038
Census Tract	43207

Owner

Source: Osceola County records · APN 342630009600014060

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
Mailing Address	3603 CHARMED LN, SAINT CLOUD, FL 34772-7601
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Nov 07, 2022	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Jan 17, 2017	Warranty Deed, Transfer · FHA Mortgage CALATLANTIC MORTGAGE INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 07, 2022 · Amount on Record
Deed Sale	Nov 07, 2022 · Amount on Record
Prior Sale	Jan 17, 2017 · Amount on Record
Deed Document Number	2022163271
Deed Book / Page	6312 / 505
Record Updated	Jun 08, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3603 CHARMED LN, SAINT CLOUD, FL 34772-7601
Transaction Type	Mortgage
Record Updated	Mar 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3603 CHARMED LN, SAINT CLOUD, FL 34772-7601

Mortgage

Document Number	0069290962
Date	Feb 25, 2026
Book Page	6929/962
Instrument	2026026814

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2056

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 07, 2022
Property Address	3603 CHARMED LN, SAINT CLOUD, FL 34772-7601
Document Number	0063120505
Book / Page	6312 / 505
Map Reference	MB 22 PG 146-149
Instrument Date	Nov 02, 2022
Instrument	2022163271
Transaction Type	Transfer
Record Updated	Nov 22, 2022
Title Company	TITLE EXCHANGE/PINELLAS INC, TITLE EXCHANGE OF PINELLAS I

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,660.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3603 CHARMED LN, 3603, SAINT CLOUD, FL 34772-7601

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3603 CHARMED LN, SAINT CLOUD, FL 34772-7601

Mortgage

Document Number	0006312507
Date	Nov 07, 2022
Instrument	6312/507

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2052

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 17, 2017
Property Address	3603 CHARMED LN, SAINT CLOUD, FL 34772-7601
Document Number	0050861716
Book / Page	5086 / 1716
Map Reference	MB22 PG146-149
Instrument Date	Dec 28, 2016
Instrument	2017008805
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,507.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	444 W NEW ENGLAND AVE STE 220, 444, WINTER PARK, FL 32789-4376

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3603 CHARMED LN, SAINT CLOUD, FL 34772-7601

Mortgage

Document Number	0050861718
Date	Jan 17, 2017
Instrument	5086/1718

Lender

Name	CALATLANTIC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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	$4,817.00 (-15.39%) Homeowner's exemption Widower's exemption	$317,000 (+0.35%) Land $75,000 Building $242,000	$317,000 (+0.35%) Land $75,000 Building $242,000
2023	$5,693.00 (+111.48%)	$315,900 (+64.94%) Land $60,000 Building $255,900	$315,900 (+16.1%) Land $60,000 Building $255,900
2022	$2,692.00 Homeowner's exemption	$191,527	$272,100 Land $55,000 Building $217,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432072, refreshed September 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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Cost	Premium on Record median of 66 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	66 in force
Nearby Flood Claims	2 (2017–2024)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Oct 2024, other causes, Hurricane Milton

Wildfire

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 376 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20

May also be available at this address: Lumen Technologies, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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