3609 Charmed Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3609 Charmed Ln, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,979 sqft · built 2016
Lot Size	0.169 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$241,231 (Jan 2017)
Tax Bill	$3,340 (2025)
Deeds & Mortgages	Jan 2017 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`342630009600014030`

Property Details

APN / Parcel Number

Primary APN	`342630009600014030`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,979 sqft Heated Area
Gross Area	2,473 sqft
1st Floor Area	1,979 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

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	438 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	56 sqft
Patio Area	200 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3609 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 403
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT
Legal Phase	3C
Legal Tract	96
Legal Block	1
Legal Lot Number	403
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2038
Census Tract	43207

Owner

Source: Osceola County records · APN 342630009600014030

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	2 Individual Names on File
Mailing Address	3609 CHARMED LN, SAINT CLOUD, FL 34772-7601
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 17, 2017 · Amount on Record
Deed Sale	Jan 17, 2017 · Amount on Record
Deed Document Number	2017008708
Deed Book / Page	5086 / 1242
Record Updated	Jun 08, 2026

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 17, 2017
Property Address	3609 CHARMED LN, SAINT CLOUD, FL 34772-7601
Document Number	0050861242
Book / Page	005086 / 001242
Instrument Date	Dec 27, 2016
Instrument	8708
Transaction Type	Transfer
Record Updated	Feb 19, 2018
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,688.62
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3609 CHARMED LN ST CLOUD FL 347727601, ST CLOUD, FL 34772-7601

Mortgage

Document Number	50861244
Date	Jan 17, 2017
Book Page	005086/001244
Instrument	8709

Lender

Name	ANGEL OAK HM LOANS
Address	ATLANTA, GA 30305

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 16, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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	$3,340.00 (+6.34%) Homeowner's exemption	$229,522 (+5.99%)	$349,000 (+0.11%) Land $78,800 Building $270,200
2023	$3,141.00 (+5.4%) Homeowner's exemption	$216,558 (+4.35%)	$348,600 (+17.02%) Land $63,000 Building $285,600
2022	$2,980.00 Homeowner's exemption	$207,533	$297,900 Land $57,800 Building $240,100

Flood & Wildfire

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

Flood

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

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.