4630 Hickory Tree Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4630 Hickory Tree Ln, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	3 Baths
Year Built	Built 2005
Square Footage	2,537 sqft Heated Area
Lot Size	210,395 sqft (4.82 acres)
Occupancy	Owner Occupied
Last Sale	$100,000 (2004)
Tax Bill	$4,070.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`99050`
Alternative APN	`322631495000010810`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,537 sqft Heated Area
Gross Area	4,223 sqft Gross Area
1st Floor	2,537 sqft 1st Floor
Stories	1 Stories
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2005
Exterior Material	Fiber Cement Siding (Hardi-Board/Hardi-Plank) Exterior
Construction Type	Frame Construction
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	210,395 sqft (4.82 acres)
Parking Spaces	3 Parking Spaces
Garage Type	Mixed Garage
Garage Area	1,200 sqft Garage

Exterior Amenities

Shed	1 Shed
Shed Area	100 sqft Shed
Patio Area	120 sqft Patio
Porch	1 Porch
Porch Area	872 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	99050
Street Address	4630 HICKORY TREE LN
City	SAINT CLOUD
State	FL
Zip	34772-9004
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	S L & I C PB B PG 28 COM AT SE COR OF LOT 81, W 396.41 FT, N00-14-11E 310.08 FT, S89-59-01E 396.41 FT TO W/L OF HICKORY TREE
Legal Range	31E
Legal Township	26S
Legal Section	32
Legal Subdivision	S L I C SOUTH ALLIGATOR LAKE AREA
Legal Tract	4950
Legal Block	1
Legal Lot Number	81
Jurisdiction	OSCEOLA FL
Minor Civil Division	SOUTH AND EAST OSCEOLA
Census Blockgroup	1
Census Block	1013
Census Tract	43802

Owner

Source: Osceola County records · APN 99050

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	2 Owner Names on File
Mailing Address	4630 HICKORY TREE LN, SAINT CLOUD, FL 34772-9004
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 15, 2004 · Amount on Record
Deed Sale	Apr 15, 2004 · Amount on Record
Deed Doc Number	0024891474
Deed Book / Page	2489 / 1474
Last Transfer Date	Apr 19, 2004
Transfer Doc	0024891474
Record Refreshed	Jun 08, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4630 HICKORY TREE LN, SAINT CLOUD, FL 34772-9004
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057522121
Date	Jul 10, 2020
Book Page	5752/2121
Instrument	2020089709

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 01, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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	$4,070.00 (-6.11%) Homeowner's exemption	$283,236 (-7.46%)	$585,900 (-4.89%) Land $98,400 Building $487,500
2023	$4,335.00 (+4.01%) Homeowner's exemption	$306,080 (+3%)	$616,000 (+29.63%) Land $185,100 Building $430,900
2022	$4,168.00 Homeowner's exemption	$297,166	$475,200 Land $123,400 Building $351,800

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 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

Wildfire Risk	High above 77% of the US · above 64% of Florida
Wildfire Likelihood	About 1 in 179 per year
Exposure	Direct burnable vegetation at the parcel

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