1597 Pines End Pl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1597 Pines End Pl, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,877 sqft · built 2022
Lot Size	0.12 acres (5,227 sqft)
Owner	Company Name on Record
Last Sale	$347,900 (May 2022)
Tax Bill	$4,821 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Jul 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16-25-31-5524-0001-1020`

Property Details

APN / Parcel Number

Primary APN	`16-25-31-5524-0001-1020`
Alternative APN	`253116552400011020`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,877 sqft Living Area
Gross Area	2,376 sqft
1st Floor Area	997 sqft
Flooring	Tile

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	L-Shape
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,227 sqft (0.12 acres)
Garage Type	Attached
Garage Area	399 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1597 PINES END PL
City	SAINT CLOUD
State	FL
Zip	34771-7633
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WIREGRASS PH 1 PB 29 PGS 73-78 LOT 102
Legal Range	31E
Legal Township	25S
Legal Section	16
Legal Subdivision	WIREGRASS PHS 1
Legal Phase	1
Legal Lot Number	102
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1053
Census Tract	43700

Owner

Source: Osceola County records, as of April 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	11710 PLAZA AMERICA DR, 1100, RESTON, VA 20190-4771
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
May 6, 2022	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage FBC MORTGAGE LLC
Jul 25, 2023	Correction Deed ATTORNEY ONLY, ATTORNEY
Sep 27, 2021	Special Warranty Deed, Construction Loan ATTORNEY ONLY, ATTORNEY
Dec 10, 2020	Deed of Trust, Mortgage · Line of Credit SEACOAST NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2022 · Amount on Record
Deed Sale	May 6, 2022 · Amount on Record
Prior Sale	Sep 27, 2021 · Amount on Record
Deed Document Number	202272741
Deed Book / Page	6209 / 1666
Record Updated	Jun 8, 2026

May 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 6, 2022
Property Address	1597 PINES END PL, SAINT CLOUD, FL 34771-7633
Document Number	0062091666
Book / Page	6209 / 1666
Map Reference	MB 29 PG 73
Instrument Date	Apr 28, 2022
Instrument	2022072741
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 22, 2024
Title Company	NOT AVAILABLE, APOLLO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,435.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	28 E WASHINGTON ST, ORLANDO, FL 32801-2311

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1597 PINES END PL, SAINT CLOUD, FL 34771-7633

Mortgage

Document Number	0062091671
Date	May 6, 2022
Instrument	6209/1671

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

July 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 25, 2023
Property Address	1597 PINES END PL, SAINT CLOUD, FL 34771-7633
Document Number	0064451005
Book / Page	6445 / 1005
Map Reference	MB 29 PG 73-78
Instrument Date	Sep 25, 2021
Instrument	2023095490
Record Updated	Jan 22, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3801 AVALON PARK EAST BLVD STE 400, 400, ORLANDO, FL 32828-4902

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11710 PLAZA AMERICA DR STE 1100, 1100, RESTON, VA 20190-4771

September 2021: Special Warranty Deed, Construction Loan

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 27, 2021
Property Address	1597 PINES END PL, SAINT CLOUD, FL 34771-7633
Document Number	0060521421
Book / Page	6052 / 1421
Map Reference	MB 29 PG 73-78
Instrument Date	Sep 21, 2021
Instrument	2021149762
Transaction Type	Construction Loan
Record Updated	Jan 22, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$79,351.30
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3801 AVALON PARK EAST BLVD STE 400, 400, ORLANDO, FL 32828-4902

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11710 PLAZA AMERICA DR STE 1100, 1100, RESTON, VA 20190-4771

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1597 PINES END PL, SAINT CLOUD, FL 34771-7633
Document Number	0058511304
Instrument Date	Dec 10, 2020
Transaction Type	Mortgage
Record Updated	Jan 11, 2021
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	28 E WASHINGTON ST ORLANDO FL 328012311, ORLANDO, FL 32801-2311
Investor	Possibly a Property Investor

Mortgage

Document Number	0058511304
Date	Dec 15, 2020
Book Page	005851/001304
Instrument	169949

Lender

Name	SEACOAST NAT'L BK
Type	Bank
Address	815 COLORADO AVE, STUART, FL 34994-3053

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 14, 2040

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,821.00 (+2.16%)	$337,400 (+1.6%) Land $75,000 Building $262,400	$337,400 (+1.6%) Land $75,000 Building $262,400
2024	$4,719.00 (+0.45%)
2023	$4,698.00 (+249.55%) Homeowner's exemption	$332,100 (+503.82%) Land $75,000 Building $257,100	$332,100 (+503.82%) Land $75,000 Building $257,100
2022	$1,344.00	$55,000 Land $55,000	$55,000 Land $55,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 330 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	330 in force
Nearby Flood Claims	18 (2004–2022)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 80% of the US · above 70% of Florida
Wildfire Likelihood	0.7% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 108 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000

May also be available: CenturyLink, Xfinity.

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