1707 Pinon Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1707 Pinon Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,299 sqft · built 1979
Lot Size	0.178 acres (7,797 sqft)
Owner	Individual Name on File
Last Sale	$146,000 (Jul 2014)
Tax Bill	$1,837 (2025)
Deeds & Mortgages	May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`82609`

Property Details

APN / Parcel Number

Primary APN	`82609`
Alternative APN	`042630090400010430`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,299 sqft Heated Area
Gross Area	2,025 sqft
1st Floor Area	1,299 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1989
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,797 sqft (0.178 acres)
Lot Dimensions	102 ft deep x 84 ft wide
Garage Type	Finished
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Porch Area	222 sqft
Deck Area	425 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	82609
Street Address	1707 PINON CIR
City	SAINT CLOUD
State	FL
Zip	34769-1644
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	PINE LAKE ESTATES UNIT 3 PB 2 PGS 96-97 LOT 43 09-26-30
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PINE LAKE ESTATE
Legal Tract	904
Legal Block	1
Legal Lot Number	9,43 9
Legal Unit	3P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3018
Census Tract	43208

Owner

Source: Osceola County records · APN 82609

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
Co-owner	Verified Secondary Owner
Mailing Address	1707 PINON CIR, SAINT CLOUD, FL 34769-1644
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 31, 2014 · Amount on Record
Deed Sale	Jul 31, 2014 · Amount on Record
Prior Sale	Jun 19, 2012 · Amount on Record
Deed Document Number	2014108866
Deed Book / Page	4643 / 2715
Record Updated	Jun 08, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1707 PINON CIR, SAINT CLOUD, FL 34769-1644
Transaction Type	Mortgage
Record Updated	May 26, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1707 PINON CIR, SAINT CLOUD, FL 34769-1644

Mortgage

Document Number	0059502445
Date	May 04, 2021
Book Page	5950/2445
Instrument	2021068445

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2051

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	$1,837.00 (+7.24%) Homeowner's exemption	$145,505 (+5.99%)	$259,100 (-2.81%) Land $53,300 Building $205,800
2023	$1,713.00 (+4.32%) Homeowner's exemption	$137,287 (+3%)	$266,600 (+14.67%) Land $49,200 Building $217,400
2022	$1,642.00 Homeowner's exemption	$133,289	$232,500 Land $45,100 Building $187,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 25 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	25 in force

Wildfire

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
Lumen Technologies DSL · Fiber in parts of the area	140 / 20

May also be available: Hotwire Communications, T-Mobile USA, Verizon.

Based on FCC filings for 350 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.