3853 Enchantment Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3853 Enchantment Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,859 sqft · built 2011
Lot Size	0.18 acres (7,840 sqft)
Owner	2 Individual Names on File
Last Sale	$290,000 (Jul 2021)
Tax Bill	$4,102 (2025)
Deeds & Mortgages	Nov 2025 Second Mortgage Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`34-26-30-0078-0001-2860`

Property Details

APN / Parcel Number

Primary APN	`34-26-30-0078-0001-2860`
Alternative APNs	`263034007800012860` `156348`

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 2011
Effective Year Built	Effective 2011
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,840 sqft (0.18 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	3853 ENCHANTMENT LN
City	SAINT CLOUD
State	FL
Zip	34772-8252
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	ESPRIT PHASE 2 PB 20 PG 79-85 LOT 286
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT PH 2
Legal Phase	2
Legal Tract	78
Legal Block	2860
Legal Lot Number	286
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2014
Census Tract	43207

Owner

3853 Enchantment Ln is owned and occupied by two individuals who bought it in July 2021.

Source: Osceola County records, as of April 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3853 ENCHANTMENT LN, SAINT CLOUD, FL 34772-8252
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
Nov 26, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Jul 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Jun 11, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
May 24, 2018	Loan Modification, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2021 · Amount on File
Deed Sale	Jul 20, 2021 · Amount on File
Prior Sale	Jan 26, 2011 · Amount on File
Deed Document Number	2021112458
Deed Book / Page	6006 / 105
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3853 ENCHANTMENT LN, SAINT CLOUD, FL 34772-8252
Transaction Type	Mortgage
Record Updated	Dec 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3853 ENCHANTMENT LN, SAINT CLOUD, FL 34772-8252

Mortgage

Document Number	0068852600
Date	Nov 26, 2025
Book Page	6885/2600
Instrument	2025145806

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2045

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3853 ENCHANTMENT LN, SAINT CLOUD, FL 34772-8252
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3503 OASIS CT, KISSIMMEE, FL 34746-1858

Mortgage

Document Number	0060060106
Date	Jul 20, 2021
Book Page	6006/106
Instrument	2021112459

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3853 ENCHANTMENT LN, SAINT CLOUD, FL 34772-8252
Document Number	0057380332
Instrument Date	Jun 11, 2020
Transaction Type	Mortgage
Record Updated	Jul 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3853 ENCHANTMENT LN ST CLOUD FL 347728252, ST CLOUD, FL 34772-8252

Mortgage

Document Number	0057380332
Date	Jun 16, 2020
Book Page	005738/000332
Instrument	76803

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 15, 2050

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	3853 ENCHANTMENT LN, SAINT CLOUD, FL 34772-8252
Document Number	0053590060
Instrument Date	May 24, 2018
Transaction Type	Mortgage
Record Updated	Jul 18, 2018
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3853 ENCHANTMENT LN ST CLOUD FL 347728252, ST CLOUD, FL 34772-8252

Mortgage

Document Number	0053590060
Date	Jun 29, 2018
Book Page	005359/000060
Instrument	100184

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 28, 2048

Interest

Rate	4.25%

Tax Assessment & Valuation

The 2025 property tax bill for 3853 Enchantment Ln was $4,102 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	$4,102.00 (+3.48%) Homeowner's exemption	$272,070	$325,700 Land $75,000 Building $250,700
2024	$3,964.00 (+2.59%)
2023	$3,864.00 (+3.54%) Homeowner's exemption	$256,702 (+3%)	$324,900 (+15.91%) Land $60,000 Building $264,900
2022	$3,732.00 Homeowner's exemption	$249,226	$280,300 Land $55,000 Building $225,300

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

Flood

FEMA maps place 3853 Enchantment Ln in Zone X, an area of minimal flood risk, within 500 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 500 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 3853 Enchantment Ln is moderate, ranking above 63% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 63% of the US · lower than 61% of Florida
Wildfire Likelihood	0.2% 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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