3612 Willow Lake Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3612 Willow Lake Ct, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,917 sqft · built 1990
Lot Size	0.243 acres (10,585 sqft)
Owner	Individual Name on File
Last Sale	$5,071 (Jun 2022)
Tax Bill	$3,124 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-26-30-0755-0001-0070`

Property Details

APN / Parcel Number

Primary APN	`16-26-30-0755-0001-0070`
Alternative APNs	`263016075500010070` `85703`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,917 sqft Living Area
Gross Area	2,447 sqft
1st Floor Area	1,692 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,585 sqft (0.243 acres)
Lot Dimensions	120 ft deep x 88 ft wide
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	336 sqft
Porch	Florida Room
Porch Area	249 sqft
Deck Area	769 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3612 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 7
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	PINE CHASE ESTATES UNIT 1
Legal Tract	755
Legal Block	70
Legal Lot Number	7
Legal Unit	1P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3013
Census Tract	43208

Owner

3612 Willow Lake Ct is owned and occupied by an individual who bought it in June 2022.

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

Owner of Record	Individual Name on File
Mailing Address	3612 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.

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2022	· FHA Mortgage ROCKET MORTGAGE LLC
Nov 22, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Jul 13, 2018	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2022 · Amount on File
Deed Sale	Jun 2, 2022 · Amount on File
Prior Sale	Jul 13, 2018 · Amount on File
Deed Document Number	202286387
Deed Book / Page	6225 / 896
Prior Transfer Date	May 4, 2022
Prior Transfer Doc	0062250896
Record Updated	Sep 20, 2026

June 2022:

Jurisdiction	OSCEOLA FL
Recording Date	Jun 2, 2022
Property Address	3612 WILLOW LAKE CT, SAINT CLOUD, FL 34769-6506
Document Number	0062250896
Book / Page	6225 / 896
Map Reference	MB 5 PG 169
Instrument Date	May 4, 2022
Instrument	2022086387
Record Updated	Jun 17, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2313 GISELLE CT, 2313, SAINT CLOUD, FL 34772-8645

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3612 WILLOW LAKE CT, SAINT CLOUD, FL 34769-6506

Mortgage

Document Number	0006225900
Date	Jun 2, 2022
Instrument	6225/900

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3612 WILLOW LAKE CT, SAINT CLOUD, FL 34769-6506
Document Number	0056382687
Instrument Date	Nov 22, 2019
Transaction Type	Mortgage
Record Updated	Jan 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3612 WILLOW LAKE CT ST CLOUD FL 347696506, ST CLOUD, FL 34769-6506

Mortgage

Document Number	0056382687
Date	Dec 11, 2019
Book Page	005638/002687
Instrument	160702

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 10, 2049

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 13, 2018
Property Address	3612 WILLOW LAKE CT, SAINT CLOUD, FL 34769-6506
Document Number	0053670614
Book / Page	005367 / 000614
Instrument Date	Jul 10, 2018
Instrument	107940
Transaction Type	Transfer
Record Updated	Jul 26, 2018
Title Company	AMROCK INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,624.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3612 WILLOW LAKE CT ST CLOUD FL 347696506, ST CLOUD, FL 34769-6506

Mortgage

Document Number	53670616
Date	Jul 13, 2018
Book Page	005367/000616
Instrument	107941

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 12, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3612 Willow Lake Ct was $3,124 with a homeowner's exemption, up 3.6% from the year before.

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	$3,124.00 (+3.58%) Homeowner's exemption	$217,410	$302,000 Land $70,000 Building $232,000
2024	$3,016.00 (+2.76%)
2023	$2,935.00 (+3.75%) Homeowner's exemption	$205,130 (+3%)	$280,700 (+3.96%) Land $55,000 Building $225,700
2022	$2,829.00 Homeowner's exemption	$199,156	$270,000 Land $55,000 Building $215,000

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

Flood

FEMA maps place 3612 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

Wildfire risk around 3612 Willow Lake Ct is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond ember reach

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 202 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Xfinity.

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