Osceola County property record for 3209 Southern Pine Rd, Saint Cloud, FL 34773 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 5 Baths |
| Year Built | Built 2019 |
| Square Footage | 4,066 sqft Heated Area |
| Lot Size | 13,852 sqft (0.317 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $75,000 (2017) |
| Tax Bill | $7,794.00 (2025) |
| Primary APN | 30263232920001023E |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Building Area | 4,066 sqft Heated Area |
| Gross Area | 5,008 sqft Gross Area |
| 1st Floor | 3,138 sqft 1st Floor |
| Upper Floors | 928 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 13,852 sqft (0.317 acres) |
| Garage Type | Finished Garage |
| Garage Area | 594 sqft Garage |
| Pool Area | 490 sqft Pool |
|---|---|
| Deck Area | 918 sqft Deck |
| Porch | Finished/Screened Porch |
| Porch Area | 348 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 162797 |
|---|---|
| Street Address | 3209 SOUTHERN PINE RD |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34773-6010 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | HARMONY NEIGHBORHOODS D-2 & E PB 21 PG 36-40 LOT 23E |
| Legal Range | 32E |
| Legal Township | 26S |
| Legal Section | 30 |
| Legal Subdivision | HARMONY NBHDS D-2 & E |
| Legal Tract | 3292 |
| Legal Block | 1 |
| Legal Lot Number | 23E |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | SOUTH AND EAST OSCEOLA |
| Census Blockgroup | 2 |
| Census Block | 2108 |
| Census Tract | 43801 |
Source: Osceola County records · APN 30263232920001023E
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 3209 SOUTHERN PINE RD, SAINT CLOUD, FL 34773-6010 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 03, 2018 | Deed of Trust, Mortgage · Building or Construction Mortgage TD BANK NA |
| Nov 16, 2019 | Deed of Trust, Mortgage · Veterans Administration Mortgage QUICKEN LNS |
| Nov 01, 2017 | Warranty Deed, Subdivision Related Transfer STATE TITLE PARTNERS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 01, 2017 · Amount on Record |
| Deed Sale | Nov 01, 2017 · Amount on Record |
| Prior Sale | Jun 05, 2014 · Amount on Record |
| Deed Doc Number | 2017156488 |
| Deed Book / Page | 5233 / 0441 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3209 SOUTHERN PINE RD, HARMONY, FL 34773 |
| Transaction Type | Mortgage |
| Record Updated | Aug 01, 2022 |
| Title Company | MORTGAGEE TITLE SVCS INC |
| Name | Verified Name |
|---|
| Document Number | 0053611125 |
|---|---|
| Date | Jul 03, 2018 |
| Book Page | 5361/1125 |
| Instrument | 2018102287 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3209 SOUTHERN PINE RD, HARMONY, FL 34773 |
| Document Number | 0056281295 |
| Instrument Date | Nov 16, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 3209 SOUTHERN PINE RD ST CLOUD FL 34773, ST CLOUD, FL 34773 |
| Document Number | 0056281295 |
|---|---|
| Date | Nov 22, 2019 |
| Book Page | 005628/001295 |
| Instrument | 152435 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 21, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 01, 2017 |
| Property Address | 3209 SOUTHERN PINE RD, HARMONY, FL 34773 |
| Document Number | 0052330441 |
| Book / Page | 005233 / 000441 |
| Instrument Date | Oct 31, 2017 |
| Instrument | 156488 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 28, 2017 |
| Title Company | STATE TITLE PARTNERS |
| Amount | Amount Recorded |
|---|---|
| Tax | $525.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 3503 TAVENNER CT OLNEY MD 208322400, OLNEY, MD 20832-2400 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $7,794.00 (+4.55%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $538,256 (+5.99%) | $735,600 (-1.68%) Land $120,800 Building $614,800 |
| 2023 | $7,455.00 (+7.59%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $507,852 (+3%) | $748,200 (+25.75%) Land $120,800 Building $627,400 |
| 2022 | $6,929.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $493,061 | $595,000 Land $84,000 Building $511,000 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Wildfire Risk | High above 85% of the US · above 77% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 151 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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