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1840 Pine Grove Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1840 Pine Grove Rd, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,493 sqft · built 2006
Lot Size0.5 acres (21,780 sqft)
OwnerIndividual Name on File
Last Sale$295,000 (Sep 2020)
Tax Bill$3,352 (2025)
Deeds & MortgagesAug 2019 Mortgage
Sep 2020 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN126234

Property Details

APN / Parcel Number

Primary APN126234
Alternative APN
  • 032631000001550000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,493 sqft Heated Area
Gross Area2,353 sqft
1st Floor Area1,493 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Exterior MaterialFiber Cement Siding
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area21,780 sqft (0.5 acres)
Garage TypeFinished
Garage Area525 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area335 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number126234
Street Address1840 PINE GROVE RD
CitySAINT CLOUD
StateFL
Zip34771-8643
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCOM AT NW COR OF SW 1/4, S 1048.61 FT, E 4, 600.95 FT TO WLY R/W CR 534A, N 28 DEG E 464.54 FT TO POB, N 28 DEG E 143.46 FT,
Legal Range31E
Legal Township26S
Legal Section03
Legal SubdivisionLAKE LIZZIE RURAL ACREAGE AREA
Legal Block155
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2006
Census Tract43700

Owner

Source: Osceola County records · APN 126234

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address1840 PINE GROVE RD, SAINT CLOUD, FL 34771-8643
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 15, 2019Deed of Trust, Mortgage · VA Mortgage
DITECH FINANCIAL LLC
Sep 23, 2020Warranty Deed, Transfer · FHA Mortgage
FREEDOM MORTGAGE CORP
Jul 31, 2018Warranty Deed, Transfer · VA Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 23, 2020 · Amount on Record
Deed SaleSep 23, 2020 · Amount on Record
Prior SaleJul 31, 2018 · Amount on Record
Deed Document Number2020127149
Deed Book / Page5798 / 1651
Record UpdatedJun 08, 2026

August 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1840 PINE GROVE RD, SAINT CLOUD, FL 34771-8643
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0055741661
DateAug 15, 2019
Book Page5574/1661
Instrument2019106090
Lender
NameDITECH FINANCIAL LLC
TypeMortgage Company
AddressFORT WASHINGTON, PA 19034
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2049

September 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 23, 2020
Property Address1840 PINE GROVE RD, SAINT CLOUD, FL 34771-8643
Document Number0057981651
Book / Page5798 / 1651
Instrument DateSep 11, 2020
Instrument2020127149
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyBROKERS TITLE OF CTRL FL LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,065.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address736 SILKWOOD CT, 736, LAKE MARY, FL 32746-5929

Transferred To (Grantee/Buyer)

NameVerified Name
Address1840 PINE GROVE RD, SAINT CLOUD, FL 34771-8643

Mortgage

Document Number0057981652
DateSep 23, 2020
Instrument5798/1652
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2050

July 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 31, 2018
Property Address1840 PINE GROVE RD, SAINT CLOUD, FL 34771-8643
Document Number0053760553
Book / Page5376 / 0553
Instrument DateJul 27, 2018
Instrument2018116295
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanySTEWART TITLE CO

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,771.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address978 HERMAN SMITH RD, 978, PIKEVILLE, TN 37367-4424

Transferred To (Grantee/Buyer)

NameVerified Name
Address00000

Mortgage

Document Number0053760554
DateJul 31, 2018
Book Page5376/0554
Instrument2018116296
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2048

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$3,352.00 (+7.78%) Homeowner's exemption$231,403 (+5.99%)$393,200 (+55.6%) Land $55,000 Building $338,200
2023$3,110.00 (+4.47%) Homeowner's exemption$218,333 (+3%)$252,700 (+13.32%) Land $50,000 Building $202,700
2022$2,977.00 Homeowner's exemption$211,974$223,000 Land $50,000 Building $173,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970437002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 79 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies79 in force
70 of 79 on primary residences
Nearby Flood Claims5 (1994–2017)
Claims Outside the SFHA1 of 5
Most Recent ClaimSep 2017, river or lake flooding, Hurricane Irma

Wildfire

Wildfire RiskHigh
above 79% of the US · above 68% of Florida
Wildfire LikelihoodAbout 1 in 265 per year
ExposureDirect
burnable vegetation at the parcel

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.

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