3611 Charmed Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3611 Charmed Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,494 sqft · built 2016
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$515,000 (Jul 2023)
Tax Bill	$4 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jul 2023 Sale & Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`34-26-30-0096-0001-4020`

Property Details

APN / Parcel Number

Primary APN	`34-26-30-0096-0001-4020`
Alternative APN	`263034009600014020`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,494 sqft Living Area
Gross Area	3,461 sqft
1st Floor Area	2,494 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	675 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	320 sqft
Porch	Finished/Open Porch
Porch Area	292 sqft
Deck Area	800 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3611 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 402
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT PH 3C
Legal Phase	3C
Legal Tract	96
Legal Block	4020
Legal Lot Number	402
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2038
Census Tract	43207

Owner

Source: Osceola County records, as of June 16, 2026

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 Record
Mailing Address	3611 CHARMED LN, SAINT CLOUD, FL 34772-7601
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2026	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jul 19, 2023	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE
Mar 7, 2017	Deed of Trust, Mortgage · Conventional Mortgage THRIVENT FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2023 · Amount on Record
Deed Sale	Jul 19, 2023 · Amount on Record
Prior Sale	Jul 19, 2016 · Amount on Record
Deed Document Number	202392928
Deed Book / Page	6442 / 1883
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Jun 9, 2026
Property Address	3611 CHARMED LN, SAINT CLOUD, FL 34772-7601
Document Number	0000075719
Book / Page	6985 / 696
Instrument Date	May 22, 2026
Instrument	202675719
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	UNITED WHOLESALE MORTGAGE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3611 CHARMED LN, SAINT CLOUD, FL 34772-7601

Mortgage

Document Number	0000075719,
Date	Jun 9, 2026
Book Page	6985/696
Instrument	202675719

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 19, 2023
Property Address	3611 CHARMED LN, SAINT CLOUD, FL 34772-7601
Document Number	0064421883
Book / Page	6442 / 1883
Map Reference	MB 22 PG 146-149
Instrument Date	Jul 14, 2023
Instrument	2023092928
Transaction Type	Transfer
Record Updated	Aug 1, 2023
Title Company	RED DOOR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,605.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2503 NATOMA BLVD, MOUNT DORA, FL 32757-8752

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3611 CHARMED LN, SAINT CLOUD, FL 34772-7601

Mortgage

Document Number	0064421885
Date	Jul 19, 2023
Instrument	6442/1885

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3611 CHARMED LN, SAINT CLOUD, FL 34772-7601
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051131282
Date	Mar 7, 2017
Book Page	5113/1282
Instrument	2017036213

Lender

Name	THRIVENT FCU
Type	Credit Union
Address	MINNEAPOLIS, MN 55415

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2027

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4.00 (-99.9%)	$447,800 (+69.2%) Land $75,000 Building $372,800	$447,800 (-0.97%) Land $75,000 Building $372,800
2023	$4,007.00 (+3.51%) Homeowner's exemption	$264,650 (+3%)	$452,200 (+15.18%) Land $60,000 Building $392,200
2022	$3,871.00 Homeowner's exemption	$256,942	$392,600 Land $55,000 Building $337,600

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.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 66 policies
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 · Hurricane Milton

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 71% of the US · above 54% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 376 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: CenturyLink.

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