2481 Pine Chase Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2481 Pine Chase Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,506 sqft · built 1989
Lot Size	0.221 acres (9,627 sqft)
Owner	Individual Name on File
Last Sale	$293,000 (Jun 2021)
Tax Bill	$4,310 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`85716`

Property Details

APN / Parcel Number

Primary APN	`85716`
Alternative APN	`162630075500010180`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,506 sqft Heated Area
Gross Area	2,164 sqft
1st Floor Area	1,506 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1994
Exterior Material	Aluminum Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,627 sqft (0.221 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Type	Finished
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	288 sqft
Porch	Open Porch
Porch Area	198 sqft
Deck Area	492 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	85716
Street Address	2481 PINE CHASE CIR
City	SAINT CLOUD
State	FL
Zip	34769-6504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1A
Legal Description	PINE CHASE ESTATES UNIT 1 PB 5 PG 169 LOT 18
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	PINE CHASE EST
Legal Tract	755
Legal Block	1
Legal Lot Number	18
Legal Unit	1P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3013
Census Tract	43208

Owner

Source: Osceola County records · APN 85716

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	2481 PINE CHASE CIR, SAINT CLOUD, FL 34769-6504
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 18, 2021 · Amount on Record
Deed Sale	Jun 18, 2021 · Amount on Record
Prior Sale	May 13, 2016 · Amount on Record
Deed Document Number	0059841772
Deed Book / Page	5984 / 1772
Record Updated	Jun 08, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 18, 2021
Property Address	2481 PINE CHASE CIR, SAINT CLOUD, FL 34769-6504
Document Number	0059841772
Book / Page	5984 / 1772
Map Reference	MB 5 PG 169
Instrument Date	Jun 18, 2021
Instrument	2021095817
Transaction Type	Transfer
Record Updated	Jul 08, 2021
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,051.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3071 OLD HICKORY TREE RD, 3071, SAINT CLOUD, FL 34772-8905

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2481 PINE CHASE CIR, SAINT CLOUD, FL 34769-6504

Mortgage

Document Number	59841773
Date	Jun 18, 2021
Instrument	5984/1773

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 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	$4,310.00 (+6.11%) Homeowner's exemption	$283,723 (+5.99%)	$290,900 (+7.82%) Land $70,000 Building $220,900
2023	$4,062.00 (+3.52%) Homeowner's exemption	$267,697 (+3%)	$269,800 (+3.81%) Land $55,000 Building $214,800
2022	$3,924.00 Homeowner's exemption	$259,900 Land $55,000 Building $204,900	$259,900 Land $55,000 Building $204,900

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 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.06% 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
Verizon Fixed Wireless	300 / 20
Lumen Technologies DSL · Fiber in parts of the area	140 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Xfinity.

Based on FCC filings for 202 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.