Osceola County property record for 1392 Pine Island Dr S, Saint Cloud, FL 34771
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 0.06 acres (2,657 sqft) |
| Owner | Individual Name on File |
| Last Sale | $17,000 (May 2017) |
| Tax Bill | $548 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage May 2017 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 93540 |
| Primary APN | 93540 |
|---|---|
| Alternative APN |
|
| Lot Area | 2,657 sqft (0.06 acres) |
|---|
| Account Number | 93540 |
|---|---|
| Street Address | 1392 PINE ISLAND DR S |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7458 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Local Zoning Code | OPUD |
| Legal Description | SHELTER COVE RESORT COND CB 1 PG 20 LOT 397 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 34 |
| Legal Subdivision | SHELTER COVE |
| Legal Tract | 4987 |
| Legal Block | 1 |
| Legal Lot Number | 397 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3040 |
| Census Tract | 43700 |
1392 Pine Island Dr S, residential vacant land, is owned by an individual who bought it in May 2017.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 14581 84TH ST NE, ELK RIVER, MN 55330-6618 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 20, 2021 | Deed of Trust, Mortgage · Commercial Mortgage NORTHEAST BANK |
| May 2, 2017 | Warranty Deed, Transfer BLUE WATER CLEAR TITLE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 2, 2017 · Amount on File |
| Deed Sale | May 2, 2017 · Amount on File |
| Deed Document Number | 2017064590 |
| Deed Book / Page | 5141 / 0156 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1392 PINE ISLAND DR S, SAINT CLOUD, FL 34771-7458 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0058741519 |
|---|---|
| Date | Jan 20, 2021 |
| Book Page | 5874/1519 |
| Instrument | 2021009237 |
| Name | NORTHEAST BANK |
|---|---|
| Type | Bank |
| Address | SAINT PAUL, MN 55112 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 2, 2017 |
| Property Address | 1392 PINE ISLAND DR S, SAINT CLOUD, FL 34771-7458 |
| Document Number | 0051410156 |
| Book / Page | 005141 / 000156 |
| Instrument Date | May 1, 2017 |
| Instrument | 64590 |
| Transaction Type | Transfer |
| Record Updated | Jun 26, 2017 |
| Title Company | BLUE WATER CLEAR TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $119.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 14581 84TH ST NE ELK RIVER MN 55330, ELK RIVER, MN 55330 |
The 2025 property tax bill for 1392 Pine Island Dr S was $548.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $548.00 | $50,000 Land $50,000 | $50,000 Land $50,000 |
| 2023 | $424.00 (+5.21%) | $35,000 (-) Land $35,000 | $35,000 (-) Land $35,000 |
| 2022 | $403.00 | $35,000 Land $35,000 | $35,000 Land $35,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1392 Pine Island Dr S in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 66.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 70 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 70 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 1392 Pine Island Dr S is high, ranking above 78% of the US, with a 0.4% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 78% of the US · above 67% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 163 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
May also be available: Spectrum.
5G and 4G LTE (outdoors only)
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