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3768 Knotty Pine St, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3768 Knotty Pine St, Saint Cloud, FL 34772 · Last verified May 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 2024
Square Footage2,096 sqft Living Area
Lot Size6,098 sqft (0.14 acres)
OccupancyOwner Occupied
Last Sale$562,897 (2024)
Tax Bill$2,509.00 (2024)

Property Details

APN / Parcel Number

Primary APN21-26-30-3645-0001-0890
Alternative APN
  • 263021364500010890

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area2,096 sqft Living Area
Gross Area2,688 sqft Gross Area
1st Floor2,096 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring

Exterior

Year BuiltBuilt 2024
Effective Year BuiltEffective 2024
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area6,098 sqft (0.14 acres)
Garage TypeAttached Garage
Garage Area400 sqft Garage
Pool TypeIn-Ground Pool Pool Type
Porch Area120 sqft Porch

Utilities and HVAC

Heating SystemHVAC Heating

Location & Zoning

Street Address3768 KNOTTY PINE ST
CitySAINT CLOUD
StateFL
Zip34772-6338
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionEDEN AT CROSS PRAIRIE PB 33 PGS 37-42 LOT 89
Legal SubdivisionEDEN AT CROSS PRAIRIE
Legal Lot Number89
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1011
Census Tract43209

Owner

Source: Osceola County records · APN 21-26-30-3645-0001-0890

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

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

Owner of Record2 Individual Names on File
Mailing Address3768 KNOTTY PINE ST, SAINT CLOUD, FL 34772-6338
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingHusband And Wife

Deeds, Mortgages & Sale History

DateDocument
Apr 28, 2026Deed of Trust, Mortgage · Conventional Mortgage
LOANDEPOT.COM LLC
May 17, 2024Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
M/I FINANCIAL LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 17, 2024 · Amount on Record
Deed SaleMay 17, 2024 · Amount on Record
Deed Doc Number202465542
Deed Book / Page6602 / 1463
Record RefreshedSep 20, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateApr 28, 2026
Property Address3768 KNOTTY PINE ST, SAINT CLOUD, FL 34772-6338
Document Number0000055876
Book / Page6962 / 1145
Instrument DateApr 22, 2026
Instrument202655876
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address3768 KNOTTY PINE ST, SAINT CLOUD, FL 34772-6338

Mortgage

Document Number0000055876,
DateApr 28, 2026
Book Page6962/1145
Instrument202655876
Lender
NameLOANDEPOT.COM LLC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term120 Months
DueMay 01, 2036
Interest
Rate TypeFixed Rate
Rate6.38%
Initial TypeFixed Rate
Max Rate-1%

May 2024: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 17, 2024
Property Address3768 KNOTTY PINE ST, SAINT CLOUD, FL 34772-6338
Document Number0066021463
Book / Page6602 / 1463
Map ReferenceMB 33 PG 37-42
Instrument DateMay 17, 2024
Instrument2024065542
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 12, 2025
Title CompanyM/I TITLE AGENCY LIMITED LC, M I TITLE AGENCY LTD LC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,940.30
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address400 INTERNATIONAL PKWY STE 470, 470, LAKE MARY, FL 32746-5054

Transferred To (Grantee/Buyer)

NameVerified Name
Address3768 KNOTTY PINE ST, SAINT CLOUD, FL 34772-6338

Mortgage

Document Number2024065543
DateMay 17, 2024
Instrument2024065543
Lender
NameM/I FINANCIAL LLC
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2054

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$4,593.00 (+83.06%)$206,426$387,000 Land $65,000 Building $322,000
2024$2,509.00

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone AE
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM

Wildfire

Wildfire RiskHigh
above 82% of the US · above 73% of Florida
Wildfire LikelihoodAbout 1 in 168 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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