Osceola County property record for 3610 Charmed Ln, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,004 sqft · built 2016 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $450,000 (Jun 2025) |
| Tax Bill | $3,841 (2025) |
| Deeds & Mortgages | Apr 2017 Sale & Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 342630009600014130 |
| Primary APN | 342630009600014130 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,004 sqft Heated Area |
| Gross Area | 2,820 sqft |
| 1st Floor Area | 830 sqft |
| Upper Floors Area | 1,174 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| 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 | 406 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 30 sqft |
|---|---|
| Porch | Finished/Screened Porch |
| Porch Area | 410 sqft |
| Deck Area | 470 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 3610 CHARMED LN |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7600 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ESPRIT PH 3C PB 22 PG 146-149 LOT 413 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 34 |
| Legal Subdivision | ESPRIT |
| Legal Phase | 3C |
| Legal Tract | 96 |
| Legal Block | 1 |
| Legal Lot Number | 413 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2037 |
| Census Tract | 43207 |
Source: Osceola County records · APN 342630009600014130
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 | 3610 CHARMED LN, SAINT CLOUD, FL 34772-7600 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 11, 2025 · Amount on Record |
| Deed Sale | Jun 11, 2025 · Amount on Record |
| Prior Sale | Apr 12, 2017 · Amount on Record |
| Deed Document Number | 2025073839 |
| Deed Book / Page | 6803 / 383 |
| Record Updated | Jun 08, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 12, 2017 |
| Property Address | 3610 CHARMED LN, SAINT CLOUD, FL 34772-7600 |
| Document Number | 0051311777 |
| Book / Page | 5131 / 1777 |
| Map Reference | MB22 PG146-149 |
| Instrument Date | Apr 11, 2017 |
| Instrument | 2017055009 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | CALATLANTIC TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,751.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 444 W NEW ENGLAND AVE STE 220, 444, WINTER PARK, FL 32789-4376 |
| Name | Verified Name |
|---|---|
| Address | 3610 CHARMED LN, SAINT CLOUD, FL 34772-7600 |
| Document Number | 0051311779 |
|---|---|
| Date | Apr 12, 2017 |
| Instrument | 5131/1779 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2047 |
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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,841.00 (+7.65%) Homeowner's exemption | $257,518 (+7.17%) | $371,400 (+0.9%) Land $78,800 Building $292,600 |
| 2023 | $3,568.00 (+14.18%) Homeowner's exemption | $240,298 (+11.49%) | $368,100 (+22.21%) Land $63,000 Building $305,100 |
| 2022 | $3,125.00 Homeowner's exemption | $215,533 | $301,200 Land $57,800 Building $243,400 |
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
| 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 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.
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