3815 Enchantment Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3815 Enchantment Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,859 sqft · built 2010
Lot Size	0.218 acres (9,496 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Jun 2021)
Tax Bill	$4,255 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Oct 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`34-26-30-0078-0001-3120`

Property Details

APN / Parcel Number

Primary APN	`34-26-30-0078-0001-3120`
Alternative APNs	`263034007800013120` `156374`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,859 sqft Living Area
Gross Area	2,487 sqft
1st Floor Area	1,859 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,496 sqft (0.218 acres)
Garage Type	Attached
Garage Area	438 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	190 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3815 ENCHANTMENT LN
City	SAINT CLOUD
State	FL
Zip	34772-8251
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	ESPRIT PHASE 2 PB 20 PG 79-85 LOT 312
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT PH 2
Legal Phase	2
Legal Tract	78
Legal Block	3120
Legal Lot Number	312
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2016
Census Tract	43207

Owner

3815 Enchantment Ln is owned and occupied by two individuals who bought it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	3815 ENCHANTMENT LN, SAINT CLOUD, FL 34772-8251
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Aug 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Oct 6, 2022	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Jun 4, 2021	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Mar 25, 2021	Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO
Oct 23, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage LOANPAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2021 · Amount on File
Deed Sale	Jun 4, 2021 · Amount on File
Prior Sale	Mar 25, 2021 · Amount on File
Deed Document Number	202187069
Deed Book / Page	5973 / 2065
Prior Transfer Date	Sep 16, 2020
Prior Transfer Doc	0058182709
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3815 ENCHANTMENT LN, SAINT CLOUD, FL 34772-8251
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060192647
Date	Aug 10, 2021
Book Page	6019/2647
Instrument	2021123668

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jun 1, 2051

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3815 ENCHANTMENT LN, SAINT CLOUD, FL 34772-8251
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3815 ENCHANTMENT LN, SAINT CLOUD, FL 34772-8251

Mortgage

Document Number	0062952788
Date	Oct 6, 2022
Book Page	6295/2788
Instrument	2022148808

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Sep 12, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 4, 2021
Property Address	3815 ENCHANTMENT LN, SAINT CLOUD, FL 34772-8251
Document Number	0059732065
Book / Page	5973 / 2065
Map Reference	MB 20 PG 79-85
Instrument Date	Jun 2, 2021
Instrument	2021087069
Transaction Type	Transfer
Record Updated	Jun 16, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 2150, CHANDLER, AZ 85286-1662

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3815 ENCHANTMENT LN, SAINT CLOUD, FL 34772-8251

Mortgage

Document Number	59732067
Date	Jun 4, 2021
Instrument	5973/2067

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 25, 2021
Property Address	3815 ENCHANTMENT LN, SAINT CLOUD, FL 34772-8251
Document Number	0059201191
Book / Page	5920 / 1191
Map Reference	MB 20 PG 79-85
Instrument Date	Mar 25, 2021
Instrument	2021044738
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Tax	$1,890.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3815 ENCHANTMENT LN, SAINT CLOUD, FL 34772-8251

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662
Investor	Possibly a Property Investor

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Oct 23, 2020
Property Address	3815 ENCHANTMENT LN, SAINT CLOUD, FL 34772-8251
Document Number	0058182709
Book / Page	5818 / 2709
Map Reference	MB 20 PG 79-85
Instrument Date	Sep 16, 2020
Instrument	2020144100
Transaction Type	Transfer
Record Updated	Feb 7, 2021
Title Company	NATIONAL CLOSING SOLUTIONS

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3815 ENCHANTMENT LN, SAINT CLOUD, FL 34772-8251
Investor	Possibly a Property Investor

Mortgage

Document Number	58182713
Date	Oct 23, 2020
Instrument	5818/2713

Lender

Name	LOANPAL LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 3815 Enchantment Ln was $4,255 with a homeowner's exemption, up 3.5% from the year before.

Source: Osceola County assessment roll, as of November 26, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,255.00 (+3.48%) Homeowner's exemption	$280,615	$325,900 Land $75,000 Building $250,900
2024	$4,112.00 (+2.57%)
2023	$4,009.00 (+3.51%) Homeowner's exemption	$264,765 (+3%)	$325,200 (+15.89%) Land $60,000 Building $265,200
2022	$3,873.00 Homeowner's exemption	$257,054	$280,600 Land $55,000 Building $225,600

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

Flood

FEMA maps place 3815 Enchantment Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 66 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	66 in force
Nearby Flood Claims	2 (2017–2024)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Oct 2024 · Hurricane Milton

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 3815 Enchantment Ln is moderate, ranking above 65% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 65% of the US · above 41% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
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, 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 376 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: CenturyLink.

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