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3625 Willow Lake Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3625 Willow Lake Ct, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,851 sqft · built 1990
Lot Size0.232 acres (10,105 sqft)
OwnerCompany Name on File
Last Sale$99,500 (Sep 2012)
Tax Bill$5,078 (2025)
Deeds & MortgagesSep 2017 Transfer
May 2017 Loan Modification
Flood ZoneZone X (minimal risk)
APN16-26-30-0755-0001-0170

Property Details

APN / Parcel Number

Primary APN16-26-30-0755-0001-0170
Alternative APNs
  • 263016075500010170
  • 85715

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,851 sqft Living Area
Gross Area2,457 sqft
1st Floor Area1,661 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1990
Effective Year BuiltEffective 1990
Architectural StyleConventional
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area10,105 sqft (0.232 acres)
Lot Dimensions119 ft deep x 85 ft wide
Garage TypeAttached
Garage Area576 sqft
Parking Spaces2 Parking Spaces
PorchFlorida Room
Porch Area220 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3625 WILLOW LAKE CT
CitySAINT CLOUD
StateFL
Zip34769-6506
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR1A
Legal DescriptionPINE CHASE ESTATES UNIT 1 PB 5 PG 169 LOT 17
Legal Range30E
Legal Township26S
Legal Section16
Legal SubdivisionPINE CHASE ESTATES UNIT 1
Legal Tract755
Legal Block170
Legal Lot Number17
Legal Unit1P
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3013
Census Tract43208

Owner

3625 Willow Lake Ct is owned by a company that acquired it in September 2017.

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

Owner of RecordCompany Name on File
Mailing AddressINVITATION HOMES C/O RYAN LLC, SCOTTSDALE, AZ 85261
Owner TypeCompany

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

DateDocument
Sep 15, 2017Quit Claim Deed, Transfer
OS NATIONAL LLC, OS NAT'L LLC
May 3, 2017Loan Modification, Mortgage · Line of Credit
WELLS FARGO BK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 28, 2012 · Amount on File
Deed SaleSep 28, 2012 · Amount on File
Deed Document Number2012141011
Deed Book / Page4328 / 440
Last Transfer DateSep 6, 2017
Transfer Doc0052081776
Record UpdatedJun 8, 2026

September 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateSep 15, 2017
Property Address3625 WILLOW LAKE CT, SAINT CLOUD, FL 34769-6506
Document Number0052081776
Book / Page005208 / 001776
Instrument DateSep 6, 2017
Instrument131093
Transaction TypeTransfer
Record UpdatedOct 6, 2017
Title CompanyOS NATIONAL LLC, OS NAT'L LLC

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLimited Partnership
Address1717 MAIN ST #2000 DALLAS TX 752014657, 2000, DALLAS, TX 75201-4657
InvestorPossibly a Property Investor

May 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Recording DateMay 3, 2017
Property Address3625 WILLOW LAKE CT, SAINT CLOUD, FL 34769-6506
Document Number0051420252
Book / Page005142 / 000252
Instrument DateApr 28, 2017
Instrument65631
Transaction TypeMortgage
Record UpdatedAug 21, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLimited Partnership
Address1717 MAIN ST #2000 DALLAS TX 752014657, 2000, DALLAS, TX 75201-4657
InvestorPossibly a Property Investor

Mortgage

Document Number51420252
DateMay 3, 2017
Book Page005142/000252
Instrument65631
Lender
NameWELLS FARGO BK
TypeBank
Address2010 CORPORATE RDG # 1000, MCLEAN, VA 22102-7858
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3625 Willow Lake Ct was $5,078, up 5.9% from the year before.

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$5,078.00 (+5.88%)$283,500 Land $70,000 Building $213,500$283,500 Land $70,000 Building $213,500
2024$4,796.00 (+7.29%)
2023$4,470.00 (+7.97%)$263,500 (+4.19%) Land $55,000 Building $208,500$263,500 (+4.19%) Land $55,000 Building $208,500
2022$4,140.00$252,900 Land $55,000 Building $197,900$252,900 Land $55,000 Building $197,900

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

Flood

FEMA maps place 3625 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 25 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies25 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 3625 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 RiskLow
lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood0.06% annual chance
ExposureNone
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 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 202 locations within half a mile, as of December 31, 2025

ProviderMax 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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