Osceola County property record for 3620 Tree Line Way, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,465 sqft · built 1989 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on File |
| Last Sale | $192,500 (Oct 2018) |
| Tax Bill | $4 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Aug 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-26-30-0755-0001-0210 |
| Primary APN | 16-26-30-0755-0001-0210 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,465 sqft Living Area |
| Gross Area | 1,920 sqft |
| 1st Floor Area | 1,465 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 120 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 338 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 15 sqft |
| Deck Area | 490 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3620 TREE LINE WAY |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-6507 |
| 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 21 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 16 |
| Legal Subdivision | PINE CHASE ESTATES UNIT 1 |
| Legal Tract | 755 |
| Legal Block | 210 |
| Legal Lot Number | 21 |
| Legal Unit | 1P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 43208 |
Source: Osceola County records · APN 16-26-30-0755-0001-0210
Assessment roll updated November 26, 2025 · Last verified June 2026
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 |
|---|---|
| Mailing Address | 3620 TREE LINE WAY, SAINT CLOUD, FL 34769-6507 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 15, 2024 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Aug 12, 2022 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Aug 25, 2021 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Jul 22, 2020 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Oct 05, 2018 | Warranty Deed, Transfer · VA Mortgage WINTRUST MORTGAGE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 05, 2018 · Amount on Record |
| Deed Sale | Oct 05, 2018 · Amount on Record |
| Prior Sale | Aug 16, 2011 · Amount on Record |
| Deed Document Number | 2018150095 |
| Deed Book / Page | 5413 / 623 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3620 TREE LINE WAY, SAINT CLOUD, FL 34769-6507 |
| Transaction Type | Mortgage |
| Record Updated | May 16, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3620 TREE LINE WAY, SAINT CLOUD, FL 34769-6507 |
| Document Number | 0065660828 |
|---|---|
| Date | Mar 15, 2024 |
| Book Page | 6566/828 |
| Instrument | 2024034273 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | 1050 WOODWARD AVE, DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3620 TREE LINE WAY, SAINT CLOUD, FL 34769-6507 |
| Transaction Type | Mortgage |
| Record Updated | Sep 01, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0062680132 |
|---|---|
| Date | Aug 12, 2022 |
| Book Page | 6268/132 |
| Instrument | 2022123817 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3620 TREE LINE WAY, SAINT CLOUD, FL 34769-6507 |
| Transaction Type | Mortgage |
| Record Updated | Sep 07, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0060291866 |
|---|---|
| Date | Aug 25, 2021 |
| Book Page | 6029/1866 |
| Instrument | 2021131958 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3620 TREE LINE WAY, SAINT CLOUD, FL 34769-6507 |
| Document Number | 0057620001 |
| Instrument Date | Jul 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3620 TREE LINE WAY ST CLOUD FL 347696507, ST CLOUD, FL 34769-6507 |
| Document Number | 0057620001 |
|---|---|
| Date | Jul 27, 2020 |
| Book Page | 005762/000001 |
| Instrument | 97337 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 26, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 05, 2018 |
| Property Address | 3620 TREE LINE WAY, SAINT CLOUD, FL 34769-6507 |
| Document Number | 0054130623 |
| Book / Page | 5413 / 0623 |
| Map Reference | MB5 PG169 |
| Instrument Date | Oct 04, 2018 |
| Instrument | 2018150095 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | STEWART TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,347.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 315, MOODY, ME 04054-0315 |
| Name | Verified Name |
|---|---|
| Address | 3620 TREE LINE WAY, SAINT CLOUD, FL 34769-6507 |
| Document Number | 2018150096 |
|---|---|
| Date | Oct 05, 2018 |
| Instrument | 2018150096 |
| Name | WINTRUST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2048 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 2026
| 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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4.00 Homeowner's exemption Veteran's exemption Widower's exemption | $191,283 (+5.99%) | $267,300 (+8.35%) Land $70,000 Building $197,300 |
| 2024 | $4.00 (-99.91%) | ||
| 2023 | $4,308.00 (+106.03%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Widower's exemption | $180,479 (+3%) | $246,700 (+3.7%) Land $55,000 Building $191,700 |
| 2022 | $2,091.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Widower's exemption | $175,223 | $237,900 Land $55,000 Building $182,900 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 25 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 25 in force |
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Lumen Technologies 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.
Based on FCC filings for 202 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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