1. Home
  2. Florida
  3. Osceola County
  4. Saint Cloud
  5. Charmed Ln

3612 Charmed Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3612 Charmed Ln, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,667 sqft · built 2015
Lot Size0.23 acres (10,018 sqft)
Owner2 Individual Names on Record
Last Sale$253,370 (Sep 2015)
Tax Bill$4 (2025)
Deeds & MortgagesMar 2022 Mortgage
Flood ZoneZone A (high risk)
APN34-26-30-0096-0001-4140

Property Details

APN / Parcel Number

Primary APN34-26-30-0096-0001-4140
Alternative APN
  • 263034009600014140

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area2,667 sqft Living Area
Gross Area3,434 sqft
1st Floor Area2,667 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2015
Effective Year BuiltEffective 2015
Architectural StyleConventional
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area10,018 sqft (0.23 acres)
Garage TypeAttached
Garage Area447 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area320 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3612 CHARMED LN
CitySAINT CLOUD
StateFL
Zip34772-7600
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionESPRIT PH 3C PB 22 PG 146-149 LOT 414
Legal Range30E
Legal Township26S
Legal Section34
Legal SubdivisionESPRIT PH 3C
Legal Phase3C
Legal Tract96
Legal Block4140
Legal Lot Number414
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2037
Census Tract43207

Owner

Source: Osceola County records, as of November 26, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address3612 CHARMED LN, SAINT CLOUD, FL 34772-7600
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 24, 2015 · Amount on Record
Deed SaleSep 24, 2015 · Amount on Record
Deed Document Number2015142231
Deed Book / Page4846 / 379
Last Transfer DateSep 23, 2024
Transfer Doc0066690976
Record UpdatedJun 8, 2026

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3612 CHARMED LN, SAINT CLOUD, FL 34772-7600
Transaction TypeMortgage
Record UpdatedMar 29, 2022
Title CompanyTRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3612 CHARMED LN, SAINT CLOUD, FL 34772-7600

Mortgage

Document Number0061682346
DateMar 10, 2022
Book Page6168/2346
Instrument2022038960
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2052

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4.00$259,283 (+5.99%)$382,300 (-5.37%) Land $75,000 Building $307,300
2024$4.00
2023$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$244,637 (+3%)$404,000 (+16.49%) Land $60,000 Building $344,000
2022$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$237,512$346,800 Land $55,000 Building $291,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

FEMA Flood ZoneZone A
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationNot determined for this zone
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 66 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies66 in force
Nearby Flood Claims2 (2017–2024)
Claims Outside the SFHA1 of 2
Most Recent ClaimOct 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 RiskHigh
above 71% of the US · above 54% of Florida
Wildfire Likelihood0.4% annual chance
ExposureDirect
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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.

Nearby Properties on Charmed Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures