Osceola County property record for 806 Hemlock St, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1988 |
| Square Footage | 2,533 sqft Heated Area |
| Lot Size | 13,329 sqft (0.305 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $273,000 (2017) |
| Tax Bill | $3,650.00 (2025) |
| Primary APN | 82538 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,533 sqft Heated Area |
| Gross Area | 3,512 sqft Gross Area |
| 1st Floor | 2,533 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 13,329 sqft (0.305 acres) |
| Depth X Width | 141 ft x 108 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 529 sqft Garage |
| Pool Area | 468 sqft Pool |
|---|---|
| Shed | 1 Shed |
| Shed Area | 140 sqft Shed |
| Deck Area | 330 sqft Deck |
| Porch | Open Porch |
| Porch Area | 450 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 82538 |
|---|---|
| Street Address | 806 HEMLOCK ST |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-1654 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PINE LAKE ESTATES UNIT 2 PB 2 PGS 92-95 LOT 25 09-26-30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | PINE LAKE ESTATE |
| Legal Tract | 902 |
| Legal Block | 1 |
| Legal Lot Number | 9,25 9 |
| Legal Unit | 2P |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1031 |
| Census Tract | 43208 |
Source: Osceola County records · APN 82538
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 |
|---|---|
| Mailing Address | 806 HEMLOCK ST, SAINT CLOUD, FL 34769-1654 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 09, 2022 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC |
| Aug 03, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage CALIBER HOME LOANS INC |
| Jun 26, 2017 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage CALIBER HM LOANS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 26, 2017 · Amount on Record |
| Deed Sale | Jun 26, 2017 · Amount on Record |
| Deed Doc Number | 2017092781 |
| Deed Book / Page | 5169 / 2396 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 806 HEMLOCK ST, SAINT CLOUD, FL 34769-1654 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2022 |
| Name | Verified Name |
|---|---|
| Address | 806 HEMLOCK ST, SAINT CLOUD, FL 34769-1654 |
| Document Number | 0061462171 |
|---|---|
| Date | Feb 09, 2022 |
| Book Page | 6146/2171 |
| Instrument | 2022021639 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Address | BREA, CA 92821 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 806 HEMLOCK ST, SAINT CLOUD, FL 34769-1654 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2021 |
| Name | Verified Name |
|---|---|
| Address | 806 HEMLOCK ST, SAINT CLOUD, FL 34769-1654 |
| Document Number | 0060152454 |
|---|---|
| Date | Aug 03, 2021 |
| Book Page | 6015/2454 |
| Instrument | 2021120452 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | OKLAHOMA CITY, OK 73134 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 311 Months |
| Due | Jul 01, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 26, 2017 |
| Property Address | 806 HEMLOCK ST, SAINT CLOUD, FL 34769-1654 |
| Document Number | 0051692396 |
| Book / Page | 005169 / 002396 |
| Instrument Date | Jun 15, 2017 |
| Instrument | 92781 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2017 |
| Title Company | WATSON TITLE SERVICES INC, WATSON TITLE SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,911.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 806 HEMLOCK ST ST CLOUD FL 347691654, ST CLOUD, FL 34769-1654 |
| Document Number | 51692398 |
|---|---|
| Date | Jun 26, 2017 |
| Book Page | 005169/002398 |
| Instrument | 92782 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 25, 2047 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| 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 | $3,650.00 (+6.29%) Homeowner's exemption | $246,802 (+5.99%) | $398,600 (-4%) Land $65,000 Building $333,600 |
| 2023 | $3,434.00 (+3.59%) Homeowner's exemption | $232,862 (+3%) | $415,200 (+15.82%) Land $60,000 Building $355,200 |
| 2022 | $3,315.00 Homeowner's exemption | $226,080 | $358,500 Land $55,000 Building $303,500 |
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 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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