1041 Pine Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1041 Pine Ln, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1987
Square Footage	1,200 sqft Heated Area
Lot Size	13,504 sqft (0.31 acres)
Occupancy	Owner Occupied
Last Sale	$91,500 (1996)
Tax Bill	$1,055.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`96401`
Alternative APN	`062631750000010312`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,200 sqft Heated Area
Gross Area	2,092 sqft Gross Area
1st Floor	1,200 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1987
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	13,504 sqft (0.31 acres)
Depth X Width	135 ft x 100 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	500 sqft Garage

Exterior Amenities

Pool Area	450 sqft Pool
Fence	Fence
Deck Area	462 sqft Deck
Porch	Open Porch
Porch Area	392 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	96401
Street Address	1041 PINE LN
City	SAINT CLOUD
State	FL
Zip	34771-4816
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	S L & I C PLAT OF COLORED QUARTER PB 1 PG 39 BLK E LOTS 17 THRU 20 OR N 100 FT OF S 200 FT OF W 1/2 BLK E AKA ARROWHEAD
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	ARROWHEAD CNTRY EST
Legal Tract	7500
Legal Block	E
Legal Lot Number	17-20 18
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	2
Census Block	2038
Census Tract	43600

Owner

Source: Osceola County records · APN 96401

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	1041 PINE LN, SAINT CLOUD, FL 34771-4816
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 02, 1996 · Amount on Record
Deed Sale	Apr 02, 1996 · Amount on Record
Deed Doc Number	0131800003
Deed Book / Page	01318 / 00003
Record Refreshed	Jun 08, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1041 PINE LN, SAINT CLOUD, FL 34771-4816
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1041 PINE LN, SAINT CLOUD, FL 34771-4816

Mortgage

Document Number	0058551990
Date	Dec 21, 2020
Book Page	5855/1990
Instrument	2020173260

Lender

Name	TRUIST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 14, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

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
Municipality	St. Cloud City
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	$1,055.00 (+8.65%) Homeowner's exemption	$101,849 (+5.99%)	$282,100 (+17.84%) Land $67,500 Building $214,600
2023	$971.00 (+5.31%) Homeowner's exemption	$96,097 (+3%)	$239,400 (+22.71%) Land $46,800 Building $192,600
2022	$922.00 Homeowner's exemption	$93,299	$195,100 Land $46,800 Building $148,300

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 X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 37% of the US · above 11% of Florida
Wildfire Likelihood	About 1 in 1,852 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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