Osceola County property record for 3608 Willow Lake Ct, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,685 sqft · built 1991 |
| Lot Size | 0.271 acres (11,805 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $784 (2025) |
| Deeds & Mortgages | Aug 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 85705 |
| Primary APN | 85705 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,685 sqft Heated Area |
| Gross Area | 2,547 sqft |
| 1st Floor Area | 1,685 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1991 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,805 sqft (0.271 acres) |
| Lot Dimensions | 132 ft deep x 80 ft wide |
| Garage Type | Finished |
| Garage Area | 567 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 295 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 85705 |
|---|---|
| Street Address | 3608 WILLOW LAKE CT |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-6506 |
| 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 9 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 16 |
| Legal Subdivision | PINE CHASE EST |
| Legal Tract | 755 |
| Legal Block | 1 |
| Legal Lot Number | 9 |
| Legal Unit | 1P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 43208 |
3608 Willow Lake Ct is owned and occupied by an individual who acquired it in December 1999.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3608 WILLOW LAKE CT, SAINT CLOUD, FL 34769-6506 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 14, 1999 |
| Deed Sale | Dec 14, 1999 |
| Deed Document Number | 0168301357 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3608 WILLOW LAKE CT, SAINT CLOUD, FL 34769-6506 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0055692238 |
|---|---|
| Date | Aug 7, 2019 |
| Book Page | 5569/2238 |
| Instrument | 2019101845 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 3608 Willow Lake Ct was $784 with exemptions applied.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $784.00 Homeowner's exemption Widower's exemption | $91,711 | $280,600 Land $70,000 Building $210,600 |
| 2023 | $709.00 (-4.83%) Homeowner's exemption Widower's exemption | $86,532 (+3%) | $260,700 (+4.03%) Land $55,000 Building $205,700 |
| 2022 | $745.00 Homeowner's exemption Widower's exemption | $84,012 | $250,600 Land $55,000 Building $195,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3608 Willow Lake Ct in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 25 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 25 in force |
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.
Wildfire risk around 3608 Willow Lake Ct is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373 |
|---|---|
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 142 locations within half a mile, as of December 31, 2025
| 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 |
| CenturyLink DSL · Fiber in parts of the area | 100 / 100 |
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