2046 Pirie Pl, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2046 Pirie Pl, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,520 sqft · built 2014
Lot Size	0.233 acres (10,193 sqft)
Owner	Individual Name on Record
Last Sale	$528,000 (Nov 2022)
Tax Bill	$6,123 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`157952`

Property Details

APN / Parcel Number

Primary APN	`157952`
Alternative APN	`142630015200010310`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,520 sqft Heated Area
Gross Area	4,299 sqft
1st Floor Area	2,384 sqft
Upper Floors Area	1,136 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,193 sqft (0.233 acres)
Garage Type	Finished
Garage Area	496 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	324 sqft
Porch	Open Porch
Porch Area	283 sqft
Deck Area	436 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	157952
Street Address	2046 PIRIE PL
City	SAINT CLOUD
State	FL
Zip	34769-5524
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	DAVIS ESTATES PB 20 PG 94 LOT 31
Legal Range	30E
Legal Township	26S
Legal Section	14
Legal Subdivision	DAVIS ESTATES
Legal Tract	152
Legal Block	1
Legal Lot Number	31
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2019
Census Tract	43303

Owner

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	2046 PIRIE PL, SAINT CLOUD, FL 34769-5524
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 18, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 12, 2020	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG
Mar 7, 2019	Deed of Trust, Mortgage · VA Mortgage PACIFIC HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2022 · Amount on Record
Deed Sale	Nov 15, 2022 · Amount on Record
Prior Sale	Jul 16, 2015 · Amount on Record
Deed Document Number	2022166162
Deed Book / Page	6315 / 1274
Record Updated	Jun 8, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 15, 2022
Property Address	2046 PIRIE PL, SAINT CLOUD, FL 34769-5524
Document Number	0063151274
Book / Page	6315 / 1274
Map Reference	MB 20 PG 94
Instrument Date	Nov 14, 2022
Instrument	2022166162
Transaction Type	Transfer
Record Updated	Dec 6, 2022
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,696.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2046 PINE ST, 2046, SAINT CLOUD, FL 34769-5034

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2046 PIRIE PL, SAINT CLOUD, FL 34769-5524

Mortgage

Document Number	0063151276
Date	Nov 15, 2022
Instrument	6315/1276

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2046 PIRIE PL, SAINT CLOUD, FL 34769-5524
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2046 PIRIE PL, SAINT CLOUD, FL 34769-5524

Mortgage

Document Number	0058940001
Date	Feb 18, 2021
Book Page	5894/1
Instrument	2021023826

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Jul 1, 2050

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2046 PIRIE PL, SAINT CLOUD, FL 34769-5524
Document Number	0057291846
Instrument Date	May 12, 2020
Transaction Type	Mortgage
Record Updated	Jul 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2046 PIRIE PL ST CLOUD FL 347695524, ST CLOUD, FL 34769-5524

Mortgage

Document Number	0057291846
Date	Jun 1, 2020
Book Page	005729/001846
Instrument	69731

Lender

Name	CLEARPATH LNDG
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 31, 2050

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2046 PIRIE PL, SAINT CLOUD, FL 34769-5524
Document Number	0055060360
Instrument Date	Mar 7, 2019
Transaction Type	Mortgage
Record Updated	May 1, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2046 PIRIE PL ST CLOUD FL 347695524, ST CLOUD, FL 34769-5524

Mortgage

Document Number	0055060360
Date	Apr 11, 2019
Book Page	005506/000360
Instrument	45798

Lender

Name	PACIFIC HM LNS
Type	Funding / Finance Company
Address	IRVINE, CA 92612

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 10, 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	$6,123.00 (+5.9%) Homeowner's exemption	$384,968 (+5.99%)	$483,100 (+9.47%) Land $78,000 Building $405,100
2023	$5,782.00 Homeowner's exemption	$363,223	$441,300 Land $65,000 Building $376,300

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 38 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	38 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	Moderate above 53% of the US · lower than 75% of Florida
Wildfire Likelihood	0.1% 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	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 200 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Xfinity.

Nearby Properties on Pirie Pl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures