Osceola County property record for 1081 Pine Ln, Saint Cloud, FL 34771 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1987 |
| Square Footage | 1,191 sqft Living Area |
| Lot Size | 13,503 sqft (0.31 acres) |
| Garage | Attached, 336 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $735.00 (2024) |
| Primary APN | 06-26-31-7500-0001-0311 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,191 sqft Living Area |
| Gross Area | 1,667 sqft Gross Area |
| 1st Floor | 1,191 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| 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 | 13,503 sqft (0.31 acres) |
| Depth X Width | 135 ft x 100 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 336 sqft Garage |
| Shed | 1 Shed |
| Shed Area | 96 sqft Shed |
| Porch Area | 280 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 1081 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 13 THRU 16 OR S 100 FTOF W 1/2 BLK E AKA W 1/2 TRACT 31 OF ARROWHEAD COUNTRY EST |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 06 |
| Legal Subdivision | ARROWHEAD COUNTRY ESTATES UNREC |
| Legal Tract | 31 |
| Legal Block | E |
| Legal Lot Number | 311 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2038 |
| Census Tract | 43600 |
Source: Osceola County records · APN 06-26-31-7500-0001-0311
Assessment roll updated November 26, 2025 · Last verified April 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 | 1081 PINE LN, SAINT CLOUD, FL 34771-4816 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 28, 2023 | Deed of Trust, Mortgage · Conventional Mortgage OCEANSIDE MORTGAGE CO |
| Sep 15, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Oct 10, 2017 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Oct 18, 2019 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Jan 13, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Jan 30, 2017 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage GUARANTEED RATE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Jul 03, 2013 |
| Transfer Doc | 0044721750 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1081 PINE LN, SAINT CLOUD, FL 34771-4816 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1081 PINE LN, SAINT CLOUD, FL 34771-4816 |
| Document Number | 0064472747 |
|---|---|
| Date | Jul 28, 2023 |
| Book Page | 6447/2747 |
| Instrument | 2023097568 |
| Name | OCEANSIDE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | TOMS RIVER, NJ 08753 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1081 PINE LN, SAINT CLOUD, FL 34771-4816 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1081 PINE LN, SAINT CLOUD, FL 34771-4816 |
| Document Number | 0060440843 |
|---|---|
| Date | Sep 15, 2021 |
| Book Page | 6044/843 |
| Instrument | 2021143539 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 348 Months |
| Due | Sep 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1081 PINE LN, SAINT CLOUD, FL 34771-4816 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0052211694 |
|---|---|
| Date | Oct 10, 2017 |
| Book Page | 5221/1694 |
| Instrument | 2017144960 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1081 PINE LN, SAINT CLOUD, FL 34771-4816 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0056081103 |
|---|---|
| Date | Oct 18, 2019 |
| Book Page | 5608/1103 |
| Instrument | 2019135208 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 338 Months |
| Due | Dec 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1081 PINE LN, SAINT CLOUD, FL 34771-4816 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0058692154 |
|---|---|
| Date | Jan 13, 2021 |
| Book Page | 5869/2154 |
| Instrument | 2021005256 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 355 Months |
| Due | Aug 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1081 PINE LN, SAINT CLOUD, FL 34771-4816 |
| Document Number | 0051070401 |
| Book / Page | 005107 / 000401 |
| Instrument Date | Jan 30, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2017 |
| Title Company | RAVENSWOOD TITLE |
| Name | Verified Name |
|---|---|
| Address | 1081 PINE LN ST CLOUD FL 347714816, ST CLOUD, FL 34771-4816 |
| Document Number | 0051070401 |
|---|---|
| Date | Feb 24, 2017 |
| Book Page | 005107/000401 |
| Instrument | 29634 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 23, 2047 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| 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 | $4,589.00 (+524.35%) | $256,200 (+216.12%) Land $67,500 Building $188,700 | $256,200 (+18.12%) Land $67,500 Building $188,700 |
| 2024 | $735.00 (+5%) | ||
| 2023 | $700.00 (+6.38%) Homeowner's exemption | $81,045 (+3%) | $216,900 (+24.08%) Land $46,800 Building $170,100 |
| 2022 | $658.00 Homeowner's exemption | $78,685 | $174,800 Land $46,800 Building $128,000 |
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 |
| 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.
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