Osceola County property record for 3606 Tree Line Way, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,465 sqft · built 1991 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on File |
| Last Sale | $370,000 (Jan 2026) |
| Tax Bill | $2,691 (2025) |
| Deeds & Mortgages | Jan 2026 Sale & Mortgage Aug 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-26-30-0755-0001-0270 |
| Primary APN | 16-26-30-0755-0001-0270 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,465 sqft Living Area |
| Gross Area | 1,920 sqft |
| 1st Floor Area | 1,465 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 338 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 15 sqft |
| Deck Area | 642 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3606 TREE LINE WAY |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-6507 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | PINE CHASE ESTATES UNIT 1 PB 5 PG 169 LOT 27 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 16 |
| Legal Subdivision | PINE CHASE ESTATES UNIT 1 |
| Legal Tract | 755 |
| Legal Block | 270 |
| Legal Lot Number | 27 |
| Legal Unit | 1P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 43208 |
Source: Osceola County assessment roll, APN 16-26-30-0755-0001-0270, as of 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 | Individual Name on File |
|---|---|
| Mailing Address | 3606 TREE LINE WAY, SAINT CLOUD, FL 34769-6507 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Date | Document |
|---|---|
| Jan 20, 2026 | Warranty Deed, Transfer · Conventional Mortgage NFM LENDING |
| Aug 03, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage PARTNERS FCU |
| Oct 18, 2018 | Warranty Deed, Transfer · Conventional Mortgage PARTNERS FCU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 20, 2026 · Amount on Record |
| Deed Sale | Jan 20, 2026 · Amount on Record |
| Prior Sale | Oct 18, 2018 · Amount on Record |
| Deed Document Number | 20267420 |
| Deed Book / Page | 6909 / 1972 |
| Prior Transfer Date | Jul 26, 2021 |
| Prior Transfer Doc | 0060142646 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 20, 2026 |
| Property Address | 3606 TREE LINE WAY, SAINT CLOUD, FL 34769-6507 |
| Document Number | 0069091972 |
| Book / Page | 6909 / 1972 |
| Map Reference | MB 5 PG 169 |
| Instrument Date | Jan 16, 2026 |
| Instrument | 2026007420 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2026 |
| Title Company | TITLE ONE FLORIDA LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,590.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7300 BOX ELDER DR, PORT RICHEY, FL 34668-6951 |
| Name | Verified Name |
|---|---|
| Address | 3606 TREE LINE WAY, SAINT CLOUD, FL 34769-6507 |
| Document Number | 0069091974 |
|---|---|
| Date | Jan 20, 2026 |
| Instrument | 6909/1974 |
| Name | NFM LENDING |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2056 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 03, 2021 |
| Property Address | 3606 TREE LINE WAY, SAINT CLOUD, FL 34769-6507 |
| Document Number | 0060142646 |
| Book / Page | 6014 / 2646 |
| Map Reference | MB 5 PG 169 |
| Instrument Date | Jul 26, 2021 |
| Instrument | 2021119727 |
| Transaction Type | Transfer |
| Record Updated | Jan 29, 2026 |
| Title Company | SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HLDG CO LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3606 TREE LINE WAY, SAINT CLOUD, FL 34769-6507 |
| Document Number | 0060142647 |
|---|---|
| Date | Aug 03, 2021 |
| Instrument | 6014/2647 |
| Name | PARTNERS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 01, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 18, 2018 |
| Property Address | 3606 TREE LINE WAY, SAINT CLOUD, FL 34769-6507 |
| Document Number | 0054192031 |
| Book / Page | 5419 / 2031 |
| Map Reference | MB5 PG169 |
| Instrument Date | Oct 17, 2018 |
| Instrument | 2018156347 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,400.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3606 TREE LINE WAY, 3606, SAINT CLOUD, FL 34769-6507 |
| Name | Verified Name |
|---|---|
| Address | 3606 TREE LINE WAY, SAINT CLOUD, FL 34769-6507 |
| Document Number | 2018156348 |
|---|---|
| Date | Oct 18, 2018 |
| Instrument | 2018156348 |
| Name | PARTNERS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2048 |
Source: Osceola County assessment roll as of November 26, 2025 · Last verified April 2026
| 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 | $2,691.00 (+3.62%) Homeowner's exemption | $193,267 (+5.99%) | $270,300 (+8.38%) Land $70,000 Building $200,300 |
| 2024 | $2,597.00 (+2.85%) | ||
| 2023 | $2,525.00 (+3.87%) Homeowner's exemption | $182,351 (+3%) | $249,400 (+3.7%) Land $55,000 Building $194,400 |
| 2022 | $2,431.00 Homeowner's exemption | $177,040 | $240,500 Land $55,000 Building $185,500 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432083, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 25 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 25 in force |
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| 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.
Source: FCC Broadband Data Collection, 142 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Lumen Technologies DSL · Fiber in parts of the area | 100 / 100 |
Source: EPA Safe Drinking Water Information System, water system FL3491373, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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