Osceola County property record for 3960 Hickory Tree Rd, Saint Cloud, FL 34772 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1991 |
| Square Footage | 1,422 sqft Living Area |
| Lot Size | 22,433 sqft (0.515 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $240,900 (2020) |
| Tax Bill | $3,952.00 (2024) |
| Primary APN | 31-26-31-3222-0001-0020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,422 sqft Living Area |
| Gross Area | 2,232 sqft Gross Area |
| 1st Floor | 1,422 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 22,433 sqft (0.515 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 484 sqft Garage |
| Shed | 1 Shed |
| Shed Area | 48 sqft Shed |
| Porch Area | 320 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3960 HICKORY TREE RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-9524 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | GALLET PLACE PB 6 PG 190 LOT 2 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 31 |
| Legal Subdivision | GALLET PLACE |
| Legal Tract | 3222 |
| Legal Block | 20 |
| Legal Lot Number | 2 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1059 |
| Census Tract | 43304 |
Source: Osceola County records · APN 31-26-31-3222-0001-0020
Assessment roll updated November 26, 2025 · Last verified June 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 | 3960 HICKORY TREE RD, SAINT CLOUD, FL 34772-9524 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 16, 2026 | Deed of Trust, Mortgage · Line of Credit FREEDOM MORTGAGE CORP |
| Aug 25, 2020 | Warranty Deed, Transfer · Conventional Mortgage FBC MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 25, 2020 · Amount on Record |
| Deed Sale | Aug 25, 2020 · Amount on Record |
| Prior Sale | Dec 09, 2005 · Amount on Record |
| Deed Doc Number | 2020112215 |
| Deed Book / Page | 5780 / 2338 |
| Prior Transfer Date | May 31, 2006 |
| Prior Transfer Doc | 0031970060 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3960 HICKORY TREE RD, SAINT CLOUD, FL 34772-9524 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3960 HICKORY TREE RD, SAINT CLOUD, FL 34772-9524 |
| Investor | Possibly a Property Investor |
| Document Number | 0069090961 |
|---|---|
| Date | Jan 16, 2026 |
| Book Page | 6909/961 |
| Instrument | 2026007129 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 02, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 25, 2020 |
| Property Address | 3960 HICKORY TREE RD, SAINT CLOUD, FL 34772-9524 |
| Document Number | 0057802338 |
| Book / Page | 5780 / 2338 |
| Map Reference | MB 6 PG 190 |
| Instrument Date | Aug 24, 2020 |
| Instrument | 2020112215 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,686.30 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3960 HICKORY TREE RD, SAINT CLOUD, FL 34772-9524 |
| Investor | Possibly a Property Investor |
| Document Number | 0057802340 |
|---|---|
| Date | Aug 25, 2020 |
| Instrument | 5780/2340 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2050 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $4,365.00 (+10.45%) | $271,400 (+11%) Land $60,000 Building $211,400 | $271,400 (+11%) Land $60,000 Building $211,400 |
| 2024 | $3,952.00 (+4.63%) | ||
| 2023 | $3,777.00 (+11.06%) | $244,500 (+14.31%) Land $38,000 Building $206,500 | $244,500 (+14.31%) Land $38,000 Building $206,500 |
| 2022 | $3,401.00 | $213,900 Land $38,000 Building $175,900 | $213,900 Land $38,000 Building $175,900 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Wildfire Risk | Moderate above 66% of the US · above 43% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 356 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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