Osceola County property record for 3604 Charmed Ln, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,859 sqft · built 2014 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $495,000 (Jul 2024) |
| Tax Bill | $5,885 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 342630009600014100 |
| Primary APN | 342630009600014100 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,859 sqft Heated Area |
| Gross Area | 2,767 sqft |
| 1st Floor Area | 1,859 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| 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 | 438 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 390 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 470 sqft |
| Deck Area | 410 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3604 CHARMED LN |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7600 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ESPRIT PH 3C PB 22 PG 146-149 LOT 410 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 34 |
| Legal Subdivision | ESPRIT |
| Legal Phase | 3C |
| Legal Tract | 96 |
| Legal Block | 1 |
| Legal Lot Number | 410 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2037 |
| Census Tract | 43207 |
Source: Osceola County records · APN 342630009600014100
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 | 3604 CHARMED LN, SAINT CLOUD, FL 34772-7600 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 31, 2024 · Amount on Record |
| Deed Sale | Jul 31, 2024 · Amount on Record |
| Prior Sale | Jan 06, 2015 · Amount on Record |
| Deed Document Number | 2024099626 |
| Deed Book / Page | 6642 / 2243 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3604 CHARMED LN, SAINT CLOUD, FL 34772-7600 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3604 CHARMED LN, SAINT CLOUD, FL 34772-7600 |
| Document Number | 0060541352 |
|---|---|
| Date | Sep 29, 2021 |
| Book Page | 6054/1352 |
| Instrument | 2021151306 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 01, 2036 |
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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,885.00 (+71.47%) Homeowner's exemption | $371,700 (+59.72%) Land $78,800 Building $292,900 | $371,700 (+0.79%) Land $78,800 Building $292,900 |
| 2023 | $3,432.00 (+3.62%) Homeowner's exemption | $232,721 (+3%) | $368,800 (+14.21%) Land $63,000 Building $305,800 |
| 2022 | $3,312.00 Homeowner's exemption | $225,943 | $322,900 Land $57,800 Building $265,100 |
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 A |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| 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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