3604 Tree Line Way, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3604 Tree Line Way, Saint Cloud, FL 34769 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,718 sqft · built 1991
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$360,000 (Aug 2022)
Tax Bill	$4,278 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-26-30-0755-0001-0280`

Property Details

APN / Parcel Number

Primary APN	`16-26-30-0755-0001-0280`
Alternative APNs	`263016075500010280` `85726`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	1 Plumbing Fixture
Stories	1 Story
Building Area	1,718 sqft Living Area
Gross Area	2,354 sqft
1st Floor Area	1,718 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	176 sqft
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3604 TREE LINE WAY
City	SAINT CLOUD
State	FL
Zip	34769-6507
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINE CHASE ESTATES UNIT 1 PB 5 PG 169 LOT 28
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	PINE CHASE ESTATES UNIT 1
Legal Tract	755
Legal Block	280
Legal Lot Number	28
Legal Unit	1P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3013
Census Tract	43208

Owner

Source: Osceola County records · APN 16-26-30-0755-0001-0280

Assessment roll updated November 26, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	3604 TREE LINE WAY, SAINT CLOUD, FL 34769-6507
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 31, 2022 · Amount on Record
Deed Sale	Aug 31, 2022 · Amount on Record
Prior Sale	Sep 21, 2005 · Amount on Record
Deed Document Number	2022133696
Deed Book / Page	6279 / 165
Prior Transfer Date	Apr 25, 2012
Prior Transfer Doc	0042932902
Record Updated	Jun 08, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 31, 2022
Property Address	3604 TREE LINE WAY, SAINT CLOUD, FL 34769-6507
Document Number	0062790165
Book / Page	6279 / 165
Map Reference	MB 5 PG 169
Instrument Date	Aug 29, 2022
Instrument	2022133696
Transaction Type	Transfer
Record Updated	Sep 23, 2022
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1171 SUGAR BELT DR, 1171, SAINT CLOUD, FL 34771-7273

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3604 TREE LINE WAY, SAINT CLOUD, FL 34769-6507

Mortgage

Document Number	0006279167
Date	Aug 31, 2022
Instrument	6279/167

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2052

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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	$4,278.00 (+3.28%) Homeowner's exemption	$281,900 (+7.6%) Land $70,000 Building $211,900	$281,900 (+7.6%) Land $70,000 Building $211,900
2024	$4,142.00 (-12.28%)
2023	$4,722.00 (+33.28%)	$262,000 (+4.01%) Land $55,000 Building $207,000	$262,000 (+4.01%) Land $55,000 Building $207,000
2022	$3,543.00	$251,900 Land $55,000 Building $196,900	$251,900 Land $55,000 Building $196,900

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 120970432083, 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
Flood Insurance Cost	Premium on Record median of 25 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	25 in force

Wildfire

Wildfire Risk	Low above 35% of the US · above 10% of Florida
Wildfire Likelihood	About 1 in 3,333 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 142 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
Lumen Technologies	DSL	100 / 100
Starlink	Satellite (low-earth orbit)	280 / 30

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