1713 Pinon Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1713 Pinon Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,617 sqft · built 1979
Lot Size	0.153 acres (6,665 sqft)
Owner	Individual Name on Record
Last Sale	$379,000 (Feb 2025)
Tax Bill	$2,954 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Sep 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`82610`

Property Details

APN / Parcel Number

Primary APN	`82610`
Alternative APN	`042630090400010440`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,617 sqft Heated Area
Gross Area	2,125 sqft
1st Floor Area	945 sqft
Upper Floors Area	672 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2006
Exterior Material	Aluminum Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,665 sqft (0.153 acres)
Lot Dimensions	94 ft deep x 80 ft wide
Garage Type	Finished
Garage Area	316 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	450 sqft
Porch	Finished/Screened Porch
Porch Area	192 sqft
Deck Area	425 sqft
Fence	Fence
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	82610
Street Address	1713 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 44 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	9,44 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, as of December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	1713 PINON CIR, SAINT CLOUD, FL 34769-1644
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2023	Deed of Trust, Mortgage · Line of Credit PARTNERS FCU
Sep 20, 2022	Deed of Trust, Mortgage · Line of Credit PARTNERS FCU
Oct 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jul 3, 2019	Warranty Deed, Transfer · Conventional Mortgage STATE FAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2025 · Amount on Record
Deed Sale	Feb 12, 2025 · Amount on Record
Prior Sale	Jul 3, 2019 · Amount on Record
Deed Document Number	2025019008
Deed Book / Page	6740 / 25
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1713 PINON CIR, SAINT CLOUD, FL 34769-1644
Transaction Type	Mortgage
Record Updated	Sep 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1713 PINON CIR, SAINT CLOUD, FL 34769-1644

Mortgage

Document Number	0064621399
Date	Aug 23, 2023
Book Page	6462/1399
Instrument	2023110878

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 22, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1713 PINON CIR, SAINT CLOUD, FL 34769-1644
Transaction Type	Mortgage
Record Updated	Sep 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1713 PINON CIR, SAINT CLOUD, FL 34769-1644

Mortgage

Document Number	0062882252
Date	Sep 20, 2022
Book Page	6288/2252
Instrument	2022142361

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1713 PINON CIR, SAINT CLOUD, FL 34769-1644
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1713 PINON CIR, SAINT CLOUD, FL 34769-1644

Mortgage

Document Number	0060710271
Date	Oct 22, 2021
Book Page	6071/271
Instrument	2021164966

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 3, 2019
Property Address	1713 PINON CIR, SAINT CLOUD, FL 34769-1644
Document Number	0055520909
Book / Page	5552 / 0909
Map Reference	MB 2 PG 96
Instrument Date	Jul 3, 2019
Instrument	2019086448
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,729.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2234 JESSICA LN, 2234, KISSIMMEE, FL 34744-6447

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1713 PINON CIR, SAINT CLOUD, FL 34769-1644

Mortgage

Document Number	0005552910
Date	Jul 3, 2019
Instrument	5552/910

Lender

Name	STATE FAR BANK FSB

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,954.00 (+6.49%) Homeowner's exemption	$207,949 (+5.99%)	$325,200 (-3.3%) Land $53,300 Building $271,900
2023	$2,774.00 (+3.78%) Homeowner's exemption	$196,203 (+3%)	$336,300 (+15.41%) Land $49,200 Building $287,100
2022	$2,673.00 Homeowner's exemption	$190,489	$291,400 Land $45,100 Building $246,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 25 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	25 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

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

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 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	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
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, 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 350 locations within half a mile, as of December 31, 2025

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

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

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