3623 Willow Lake Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3623 Willow Lake Ct, Saint Cloud, FL 34769 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,735 sqft · built 1990
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (Apr 2018)
Tax Bill	$2,367 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Apr 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-26-30-0755-0001-0160`

Property Details

APN / Parcel Number

Primary APN	`16-26-30-0755-0001-0160`
Alternative APNs	`263016075500010160` `85714`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,735 sqft Living Area
Gross Area	2,484 sqft
1st Floor Area	1,535 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1995
Architectural Style	L-Shape
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	504 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	445 sqft
Shed	1 Shed
Shed Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3623 WILLOW LAKE CT
City	SAINT CLOUD
State	FL
Zip	34769-6506
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINE CHASE ESTATES UNIT 1 PB 5 PG 169 LOT 16
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	PINE CHASE ESTATES UNIT 1
Legal Tract	755
Legal Block	160
Legal Lot Number	16
Legal Unit	1P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3013
Census Tract	43208

Owner

Source: Osceola County records · APN 16-26-30-0755-0001-0160

Assessment roll updated November 26, 2025 · Last verified April 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	3623 WILLOW LAKE CT, SAINT CLOUD, FL 34769-6506
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 01, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO
Apr 06, 2018	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCE CO
Mar 14, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 06, 2018 · Amount on Record
Deed Sale	Apr 06, 2018 · Amount on Record
Deed Document Number	201854027
Deed Book / Page	5312 / 1351
Prior Transfer Date	Mar 13, 2018
Prior Transfer Doc	0053010631
Record Updated	Jun 08, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3623 WILLOW LAKE CT, SAINT CLOUD, FL 34769-6506
Transaction Type	Mortgage
Record Updated	Sep 15, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3623 WILLOW LAKE CT, SAINT CLOUD, FL 34769-6506

Mortgage

Document Number	0060342223
Date	Sep 01, 2021
Book Page	6034/2223
Instrument	2021135952

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2051

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 06, 2018
Property Address	3623 WILLOW LAKE CT, SAINT CLOUD, FL 34769-6506
Document Number	0053121351
Book / Page	5312 / 1351
Map Reference	MB5 PG169
Instrument Date	Mar 28, 2018
Instrument	2018054027
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3623 WILLOW LAKE CT, 3623, SAINT CLOUD, FL 34769-6506

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3623 WILLOW LAKE CT, SAINT CLOUD, FL 34769-6506

Mortgage

Document Number	2018054028
Date	Apr 06, 2018
Instrument	2018054028

Lender

Name	CARDINAL FINANCE CO
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2048

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 14, 2018
Property Address	3623 WILLOW LAKE CT, SAINT CLOUD, FL 34769-6506
Document Number	0053010631
Book / Page	005301 / 000631
Instrument Date	Mar 13, 2018
Instrument	42244
Transaction Type	Transfer
Record Updated	Apr 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3623 WILLOW LAKE CT ST CLOUD FL 347696506, ST CLOUD, FL 34769-6506

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,367.00 (+3.68%) Homeowner's exemption	$175,148 (+5.99%)	$285,500 (+7.41%) Land $70,000 Building $215,500
2024	$2,283.00 (+2.98%)
2023	$2,217.00 (+3.99%) Homeowner's exemption	$165,255 (+3%)	$265,800 (+4.11%) Land $55,000 Building $210,800
2022	$2,132.00 Homeowner's exemption	$160,442	$255,300 Land $55,000 Building $200,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432083, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 25 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	25 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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, availability as of December 31, 2025 · Published October 2026 · based on 202 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Lumen Technologies	DSL	140 / 20
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, Spectrum, Xfinity, Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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