Osceola County property record for 3981 Hickory Tree Rd, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1986 |
| Square Footage | 2,008 sqft Heated Area |
| Lot Size | 212,573 sqft (4.88 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $114,000 (2011) |
| Tax Bill | $3,039.00 (2025) |
| Primary APN | 99037 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,008 sqft Heated Area |
| Gross Area | 3,188 sqft Gross Area |
| 1st Floor | 1,840 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1986 |
|---|---|
| Exterior Material | Stucco Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 212,573 sqft (4.88 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Detached - Unfinished Garage |
| Garage Area | 576 sqft Garage |
| Fence | Fence |
| Porch | 1 Porch |
| Porch Area | 100 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 99037 |
|---|---|
| Street Address | 3981 HICKORY TREE RD |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-9536 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | S L & I C PB B PG 28 S 1/2 LOTS 39 & 40 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 32 |
| Legal Subdivision | SEMINOLE LAND&INV CO |
| Legal Tract | 4950 |
| Legal Block | 1 |
| Legal Lot Number | 39-40 40 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1039 |
| Census Tract | 43301 |
Source: Osceola County records · APN 99037
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 Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3981 HICKORY TREE RD, SAINT CLOUD, FL 34772-9536 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 13, 2024 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 06, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage QUICKEN LOANS LLC |
| May 11, 2018 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 29, 2011 · Amount on Record |
| Deed Sale | Jul 29, 2011 · Amount on Record |
| Prior Sale | Mar 14, 2006 · Amount on Record |
| Deed Doc Number | 2011104261 |
| Deed Book / Page | 4158 / 2128 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3981 HICKORY TREE RD, SAINT CLOUD, FL 34772-9536 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3981 HICKORY TREE RD, SAINT CLOUD, FL 34772-9536 |
| Document Number | 0067100577 |
|---|---|
| Date | Dec 13, 2024 |
| Book Page | 6710/577 |
| Instrument | 2024157142 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3981 HICKORY TREE RD, SAINT CLOUD, FL 34772-9536 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 3981 HICKORY TREE RD, SAINT CLOUD, FL 34772-9536 |
| Document Number | 0060172383 |
|---|---|
| Date | Aug 06, 2021 |
| Book Page | 6017/2383 |
| Instrument | 2021122040 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 293 Months |
| Due | Jan 01, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3981 HICKORY TREE RD, SAINT CLOUD, FL 34772-9536 |
| Document Number | 0053732212 |
| Instrument Date | May 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 13, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 3981 HICKORY TREE RD ST CLOUD FL 347729536, ST CLOUD, FL 34772-9536 |
| Document Number | 0053732212 |
|---|---|
| Date | Jul 25, 2018 |
| Book Page | 005373/002212 |
| Instrument | 114129 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Jul 24, 2046 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $3,039.00 (+21.75%) Homeowner's exemption | $208,832 (+19.73%) | $390,900 (+22.58%) Land $153,700 Building $237,200 |
| 2023 | $2,496.00 (+4.83%) Homeowner's exemption | $174,417 (+3%) | $318,900 (+10.65%) Land $109,300 Building $209,600 |
| 2022 | $2,381.00 Homeowner's exemption | $169,337 | $288,200 Land $109,300 Building $178,900 |
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 AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 66.0 ft |
| Wildfire Risk | High above 74% of the US · above 59% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 226 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures