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3954 Hickory Tree Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3954 Hickory Tree Rd, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,400 sqft · built 2022
Lot Size0.569 acres (24,829 sqft)
OwnerIndividual Name on File
Last Sale$535,000 (Mar 2023)
Tax Bill$5,451 (2025)
Deeds & MortgagesMar 2023 Sale & Mortgage
Jan 2022 Sale
Flood ZoneZone X (minimal risk)
APN98537

Property Details

APN / Parcel Number

Primary APN98537
Alternative APN
  • 312631322200010010

Interior

Bedrooms3 Beds
Full Baths3 Baths
Building Area2,400 sqft Heated Area
Gross Area3,402 sqft Gross Area
Stories2 Stories
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2022
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area24,829 sqft (0.569 acres)
Garage TypeFinished
PorchOpen Porch

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number98537
Street Address3954 HICKORY TREE RD
CitySAINT CLOUD
StateFL
Zip34772-9524
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionGALLET PLACE PB 6 PG 190 LOT 1
Legal Range31E
Legal Township26S
Legal Section31
Legal SubdivisionGALLET PLACE
Legal Tract3222
Legal Block1
Legal Lot Number1
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1059
Census Tract43304

Owner

Source: Osceola County records · APN 98537

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address3954 HICKORY TREE RD, SAINT CLOUD, FL 34772-9524
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 07, 2023Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
FAIRWINDS CU
Jan 19, 2022Warranty Deed, Transfer
ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 07, 2023 · Amount on Record
Deed SaleMar 07, 2023 · Amount on Record
Prior SaleJan 19, 2022 · Amount on Record
Deed Document Number2023026621
Deed Book / Page6368 / 13
Record UpdatedJun 08, 2026

March 2023: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 07, 2023
Property Address3954 HICKORY TREE RD, SAINT CLOUD, FL 34772-9524
Document Number0063680013
Book / Page6368 / 13
Map ReferenceMB 6 PG 190
Instrument DateMar 06, 2023
Instrument2023026621
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 12, 2025
Title CompanyORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,745.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6253 OAK SHORE DR, SAINT CLOUD, FL 34771-8686

Transferred To (Grantee/Buyer)

NameVerified Name
Address3954 HICKORY TREE RD, SAINT CLOUD, FL 34772-9524

Mortgage

Document Number0000636817
DateMar 07, 2023
Instrument6368/17
Lender
NameFAIRWINDS CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2053

January 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 19, 2022
Property Address3954 HICKORY TREE RD, SAINT CLOUD, FL 34772-9524
Document Number0061320025
Book / Page6132 / 25
Map ReferenceMB 6 PG 190
Instrument DateJan 14, 2022
Instrument2022009827
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
Tax$350.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5700 E IRLO BRONSON MEMORIAL HWY, SAINT CLOUD, FL 34771-8717

Transferred To (Grantee/Buyer)

NameVerified Name
Address1201 LOUISIANA AVE, SAINT CLOUD, FL 34769-4165

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$5,451.00 (-19.06%) Homeowner's exemption$382,896 (-12.54%)$468,200 (+6.94%) Land $60,000 Building $408,200
2023$6,735.00 (+1,336.03%)$437,800 (+1,052.11%) Land $38,000 Building $399,800$437,800 (+1,052.11%) Land $38,000 Building $399,800
2022$469.00$38,000 Land $38,000$38,000 Land $38,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft

Wildfire

Wildfire RiskModerate
above 66% of the US · above 43% of Florida
Wildfire LikelihoodAbout 1 in 356 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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