Osceola County property record for 3607 Charmed Ln, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,722 sqft · built 2016 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $303,638 (Jun 2016) |
| Tax Bill | $4,568 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 342630009600014040 |
| Primary APN | 342630009600014040 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,722 sqft Heated Area |
| Gross Area | 3,461 sqft |
| 1st Floor Area | 2,722 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| 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 | 447 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 36 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 292 sqft |
| Deck Area | 826 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3607 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 404 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 34 |
| Legal Subdivision | ESPRIT |
| Legal Phase | 3C |
| Legal Tract | 96 |
| Legal Block | 1 |
| Legal Lot Number | 404 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2038 |
| Census Tract | 43207 |
Source: Osceola County records · APN 342630009600014040
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 | 3607 CHARMED LN, SAINT CLOUD, FL 34772-7601 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 27, 2016 · Amount on Record |
| Deed Sale | Jun 27, 2016 · Amount on Record |
| Deed Document Number | 2016098134 |
| Deed Book / Page | 4983 / 0522 |
| Record Updated | Jun 08, 2026 |
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 | $4,568.00 (+6.08%) Homeowner's exemption | $298,123 (+5.99%) | $429,000 (-4.9%) Land $78,800 Building $350,200 |
| 2023 | $4,306.00 (+3.46%) Homeowner's exemption | $281,284 (+3%) | $451,100 (+15.14%) Land $63,000 Building $388,100 |
| 2022 | $4,162.00 Homeowner's exemption | $273,092 | $391,800 Land $57,800 Building $334,000 |
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
| 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 100 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 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.
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.
5G and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures