1915 Pine Grove Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1915 Pine Grove Rd, Saint Cloud, FL 34771 · Last verified April 2026

Property Summary

Property Type	Pasture
Details	4 bd · 5 ba · 9,630 sqft · built 2022
Lot Size	3.61 acres (157,251 sqft)
Owner	2 Individual Names on File
Last Sale	$3,500,000 (Dec 2020)
Tax Bill	$16,564 (2025)
Deeds & Mortgages	Jun 2021 Construction Loan Aug 2023 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`03-26-31-0000-0076-0000`

Property Details

APN / Parcel Number

Primary APN	`03-26-31-0000-0076-0000`
Alternative APNs	`263103000000760000` `95634`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	9,630 sqft Gross Area
1st Floor Area	4,161 sqft
Flooring	Tile

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	157,251 sqft (3.61 acres)
Garage Type	Attached
Garage Area	1,315 sqft

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	16 sqft
Porch	Finished/Open Porch
Deck Area	900 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	1915 PINE GROVE RD
City	SAINT CLOUD
State	FL
Zip	34771-8692
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Pasture
Legal Description	COM AT NW COR OF SW 1/4 OF 02-26-31, S89-50-56W 31.76 FT TO ELY R/W LINE OF PINE GROVE RD & POC, CURVE RIGHT, RAD 1179.28 FT, CENT ANG 09 DEG, (CH BEARING S23-42-53W 193.53 FT), ALONG CURVE 193.75 FT, S28-25-15W 885.78 FT TO POB; CONT S28-25-16W 734.
Legal Range	31E
Legal Township	26S
Legal Section	03
Legal Subdivision	ACREAGE & UNREC
Legal Tract	0000
Legal Block	76
Legal Lot Number	76
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2013
Census Tract	43700

Owner

Source: Osceola County records · APN 03-26-31-0000-0076-0000

Assessment roll updated November 26, 2025 · Last verified April 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	1915 PINE GROVE RD, SAINT CLOUD, FL 34771-8692
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2021	Deed of Trust, Mortgage · Construction Mortgage SOUTH STATE BANK NA
Aug 01, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Apr 14, 2021	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY
Apr 14, 2021	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Apr 05, 2021	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jun 05, 2017	Warranty Deed, Transfer · ARM FLORIDA COMMUNITY BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 17, 2020 · Amount on Record
Deed Sale	Dec 17, 2020 · Amount on Record
Prior Sale	Jun 05, 2017 · Amount on Record
Deed Document Number	2020172117
Deed Book / Page	5854 / 73
Last Transfer Date	Apr 13, 2021
Transfer Doc	0059350240
Record Updated	Jun 08, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1915 PINE GROVE RD, SAINT CLOUD, FL 34771-8692
Transaction Type	Mortgage
Record Updated	Jan 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1308 NOVA PARK CT, SAINT CLOUD, FL 34771-8617

Mortgage

Document Number	0059901387
Date	Jun 28, 2021
Book Page	5990/1387
Instrument	2021100462

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	CHARLESTON, SC 29406

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2051

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Aug 01, 2023
Property Address	1915 PINE GROVE RD, SAINT CLOUD, FL 34771-8692
Document Number	0064492316
Book / Page	6449 / 2316
Instrument Date	Aug 01, 2023
Instrument	2023099273
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1915 PINE GROVE RD, SAINT CLOUD, FL 34771-8692

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1915 PINE GROVE RD, SAINT CLOUD, FL 34771-8692

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 14, 2021
Property Address	1915 PINE GROVE RD, SAINT CLOUD, FL 34771-8692
Document Number	0059350244
Book / Page	5935 / 244
Instrument Date	Apr 13, 2021
Instrument	2021056123
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2155 PINE GROVE RD, SAINT CLOUD, FL 34771-8646

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3123 DARK SKY DR, HARMONY, FL 34773-6006

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Apr 14, 2021
Property Address	1915 PINE GROVE RD, SAINT CLOUD, FL 34771-8692
Document Number	0059350240
Book / Page	5935 / 240
Instrument Date	Apr 13, 2021
Instrument	2021056122
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1308 NOVA PARK CT, SAINT CLOUD, FL 34771-8617

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 05, 2021
Property Address	1915 PINE GROVE RD, SAINT CLOUD, FL 34771-8692
Document Number	0059272348
Book / Page	5927 / 2348
Map Reference	MB 1693 PG 2765
Instrument Date	Feb 19, 2021
Instrument	2021050297
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1865 PINE GROVE RD, SAINT CLOUD, FL 34771-8692

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1795 PINE GROVE RD, SAINT CLOUD, FL 34771-8644

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 05, 2017
Property Address	1915 PINE GROVE RD, SAINT CLOUD, FL 34771-8692
Document Number	0051582442
Book / Page	5158 / 2442
Instrument Date	May 31, 2017
Instrument	2017081387
Transaction Type	Transfer
Record Updated	Aug 01, 2022
Title Company	AMERICAN CHARTER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$29,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9027 PINNACLE CIR, 9027, WINDERMERE, FL 34786-8221

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

Mortgage

Document Number	0051582444
Date	Jun 05, 2017
Instrument	5158/2444

Lender

Name	FLORIDA COMMUNITY BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 01, 2024
Change Frequency	Annually
Min Rate At Change	3.62%
Max Rate At Change	8.62%
Index	1-Year LIBOR
Max Rate	8.62%

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$16,564.00 (+3.71%)	$1,185,025 (-24.03%)	$1,223,100 (-21.59%) Land $40,900 Building $1,182,200
2024	$15,971.00 (-28.72%)
2023	$22,405.00 (+557.62%)	$1,559,900 (+540.09%) Land $243,700 Building $1,316,200	$1,559,900 (+540.09%) Land $243,700 Building $1,316,200
2022	$3,407.00	$243,700 Land $243,700	$243,700 Land $243,700

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 79 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	79 in force
Nearby Flood Claims	5 (1994–2017)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Sep 2017, river or lake flooding, Hurricane Irma

Wildfire

Wildfire Risk	High above 71% of the US · above 52% of Florida
Wildfire Likelihood	About 1 in 407 per year
Exposure	Direct 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 32 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000

May also be available at this address: Xfinity, AT&T, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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