3623 Tree Line Way, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3623 Tree Line Way, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,318 sqft · built 1989
Lot Size	0.232 acres (10,105 sqft)
Owner	2 Individual Names on File
Last Sale	$355,000 (Sep 2025)
Tax Bill	$511 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-26-30-0755-0001-0560`

Property Details

APN / Parcel Number

Primary APN	`16-26-30-0755-0001-0560`
Alternative APNs	`263016075500010560` `85754`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,318 sqft Living Area
Gross Area	1,766 sqft
1st Floor Area	1,318 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,105 sqft (0.232 acres)
Lot Dimensions	110 ft deep x 85.2 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	270 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3623 TREE LINE WAY
City	SAINT CLOUD
State	FL
Zip	34769-6508
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 56
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	PINE CHASE ESTATES UNIT 1
Legal Tract	755
Legal Block	560
Legal Lot Number	56
Legal Unit	1P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3020
Census Tract	43208

Owner

Source: Osceola County records · APN 16-26-30-0755-0001-0560

Assessment roll updated November 26, 2025 · Last verified August 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 File
Mailing Address	3623 TREE LINE WAY, SAINT CLOUD, FL 34769-6508
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 25, 2025 · Amount on Record
Deed Sale	Sep 25, 2025 · Amount on Record
Prior Sale	Mar 11, 2025 · Amount on Record
Deed Document Number	2025117924
Deed Book / Page	6853 / 781
Prior Transfer Date	Dec 16, 2022
Prior Transfer Doc	0000082973
Record Updated	Sep 20, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 25, 2025
Property Address	3623 TREE LINE WAY, SAINT CLOUD, FL 34769-6508
Document Number	0068530781
Book / Page	6853 / 781
Map Reference	MB 5 PG 169
Instrument Date	Sep 17, 2025
Instrument	2025117924
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	RED DOOR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,485.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5404 GENEVA WAY, SAINT CLOUD, FL 34771-9416

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3623 TREE LINE WAY, SAINT CLOUD, FL 34769-6508

Mortgage

Document Number	0006853783
Date	Sep 25, 2025
Instrument	6853/783

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 01, 2045

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026

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

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	$511.00 (+6.9%)	$83,095 (+2.9%)	$256,800 (+2.84%) Land $70,000 Building $186,800
2024	$478.00 (+7.66%) Homeowner's exemption Senior Citizen's exemption	$80,754 (+3%)	$249,700 (+5.05%) Land $63,000 Building $186,700
2023	$444.00 (+9.9%) Homeowner's exemption Senior Citizen's exemption	$78,402 (+3%)	$237,700 (+4.03%) Land $55,000 Building $182,700
2022	$404.00 Homeowner's exemption Senior Citizen's exemption	$76,119	$228,500 Land $55,000 Building $173,500

Flood & Wildfire

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

Flood

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

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.

Internet Providers

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.

Drinking Water

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

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 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.