3865 Enchantment Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3865 Enchantment Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,190 sqft · built 2008
Lot Size	0.208 acres (9,060 sqft)
Owner	2 Individual Names on File
Last Sale	$274,000 (Aug 2018)
Tax Bill	$3,748 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`34-26-30-0078-0001-2800`

Property Details

APN / Parcel Number

Primary APN	`34-26-30-0078-0001-2800`
Alternative APNs	`263034007800012800` `156342`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,190 sqft Living Area
Gross Area	3,056 sqft
1st Floor Area	2,190 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,060 sqft (0.208 acres)
Garage Type	Attached
Garage Area	609 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	257 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3865 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 280
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT PH 2
Legal Phase	2
Legal Tract	78
Legal Block	2800
Legal Lot Number	280
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2014
Census Tract	43207

Owner

3865 Enchantment Ln is owned and occupied by two individuals who bought it in August 2018.

Source: Osceola County records, as of September 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3865 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
Sep 4, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT
Aug 22, 2018	Warranty Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2018 · Amount on File
Deed Sale	Aug 22, 2018 · Amount on File
Prior Sale	Jan 16, 2009 · Amount on File
Deed Document Number	2018128145
Deed Book / Page	5389 / 1327
Prior Transfer Date	Jul 22, 2010
Prior Transfer Doc	0040272621
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Sep 4, 2026
Property Address	3865 ENCHANTMENT LN, SAINT CLOUD, FL 34772-8252
Document Number	0000116036
Book / Page	7030 / 2979
Instrument Date	Aug 5, 2026
Instrument	2026116036
Transaction Type	Mortgage
Record Updated	Sep 15, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3865 ENCHANTMENT LN, SAINT CLOUD, FL 34772-8252

Mortgage

Document Number	0000116036,
Date	Sep 4, 2026
Book Page	7030/2979
Instrument	2026116036

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	302 Months
Due	Nov 1, 2051

Interest

Max Rate	-1%

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 22, 2018
Property Address	3865 ENCHANTMENT LN, SAINT CLOUD, FL 34772-8252
Document Number	0053891327
Book / Page	5389 / 1327
Map Reference	MB20 PG79
Instrument Date	Aug 20, 2018
Instrument	2018128145
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	OLIVER TITLE LAW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,918.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3050 HELMSDALE PL APT 4307, 3050, LEXINGTON, KY 40509-2451

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3865 ENCHANTMENT LN, SAINT CLOUD, FL 34772-8252

Mortgage

Document Number	2018128146
Date	Aug 22, 2018
Instrument	2018128146

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3865 Enchantment Ln was $3,748 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	$3,748.00 (+3.51%) Homeowner's exemption	$252,313	$367,300 Land $75,000 Building $292,300
2024	$3,621.00 (+2.64%)
2023	$3,528.00 (+3.58%) Homeowner's exemption	$238,062 (+3%)	$369,200 (+16.06%) Land $60,000 Building $309,200
2022	$3,406.00 Homeowner's exemption	$231,129	$318,100 Land $55,000 Building $263,100

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

Flood

FEMA maps place 3865 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 3865 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.

Nearby Properties on Enchantment Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures