3655 Hickory Tree Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3655 Hickory Tree Rd, Saint Cloud, FL 34772 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,812 sqft · built 1973
Lot Size	4.83 acres (210,394 sqft)
Owner	2 Individual Names on File
Last Sale	$599,999 (Apr 2024)
Tax Bill	$8,484 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-26-31-4950-0001-0570`

Property Details

APN / Parcel Number

Primary APN	`29-26-31-4950-0001-0570`
Alternative APNs	`263129495000010570` `98225`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Units	2 Units
Stories	1 Story
Building Area	2,812 sqft Living Area
Gross Area	4,200 sqft
1st Floor Area	2,812 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	210,394 sqft (4.83 acres)
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	510 sqft
Porch	Screened/Unfinished Porch
Porch Area	816 sqft
Deck Area	456 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	3655 HICKORY TREE RD
City	SAINT CLOUD
State	FL
Zip	34772-7522
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S L & I C PB B PG 51 LOT 57
Legal Range	31E
Legal Township	26S
Legal Section	29
Legal Subdivision	S L & I C
Legal Tract	4950
Legal Block	570
Legal Lot Number	57
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1039
Census Tract	43301

Owner

Source: Osceola County records · APN 29-26-31-4950-0001-0570

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	2 Individual Names on File
Mailing Address	3655 HICKORY TREE RD, SAINT CLOUD, FL 34772-7522
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	Apr 02, 2024 · Amount on Record
Deed Sale	Apr 02, 2024 · Amount on Record
Prior Sale	Apr 16, 2015 · Amount on Record
Deed Document Number	202441637
Deed Book / Page	6575 / 1087
Prior Transfer Date	Apr 09, 2015
Prior Transfer Doc	0047651075
Record Updated	Jun 08, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 02, 2024
Property Address	3655 HICKORY TREE RD, SAINT CLOUD, FL 34772-7522
Document Number	0065751087
Book / Page	6575 / 1087
Map Reference	MB B PGS 51
Instrument Date	Mar 21, 2024
Instrument	2024041637
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	EQUITABLE TITLE/DR PHILLIPS LL, EQUITABLE TTL OF DR PHILLIPS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3655 HICKORY TREE RD, SAINT CLOUD, FL 34772-7522
Investor	Possibly a Property Investor

Mortgage

Document Number	2024041638
Date	Apr 02, 2024
Instrument	2024041638

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Adjustable	Adjustable Rate Rider
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.5%
Index	Other
Margin	3
Max Rate	11.5%

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
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	$8,484.00 (+78.16%)	$601,800 (+79.88%) Land $173,900 Building $427,900	$601,800 (+4.57%) Land $173,900 Building $427,900
2024	$4,762.00 (+2.12%)
2023	$4,663.00 Homeowner's exemption Disabled Person's exemption	$334,564	$575,500 Land $152,100 Building $423,400

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 120970433011, 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 173 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	173 in force
Nearby Flood Claims	14 (1987–2022)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Sep 2022, river or lake flooding, Hurricane Ian
Claims By Storm	Hurricane Irma, Sep 2017 · 8 claims

Wildfire

Wildfire Risk	Moderate above 58% of the US · above 31% of Florida
Wildfire Likelihood	About 1 in 500 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 33 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
Starlink	Satellite (low-earth orbit)	280 / 30

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