3786 Knotty Pine St, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3786 Knotty Pine St, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	5 Beds
Bathrooms	3 Baths
Year Built	Built 2024
Square Footage	3,526 sqft Heated Area
Lot Size	5,663 sqft (0.13 acres)
Occupancy	Owner Occupied
Last Sale	$612,445 (2024)
Tax Bill	$11,158.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`212630364500010860`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	3,526 sqft Heated Area
Gross Area	4,289 sqft Gross Area
Stories	2 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2024
Exterior Material	Stucco Exterior
Construction Type	Frame Construction
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Finished Garage
Porch	Open Porch
Porch Area	88 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	3786 KNOTTY PINE ST
City	SAINT CLOUD
State	FL
Zip	34772-6338
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	EDEN AT CROSS PRAIRIE PB 33 PGS 37-42 LOT 86
Legal Lot Number	86
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1011
Census Tract	43209

Owner

Source: Osceola County records · APN 212630364500010860

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
Mailing Address	3786 KNOTTY PINE ST, SAINT CLOUD, FL 34772-6338
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 13, 2024 · Amount on Record
Deed Sale	Nov 13, 2024 · Amount on Record
Deed Doc Number	2024144623
Deed Book / Page	6695 / 2165
Record Refreshed	Jun 08, 2026

November 2024: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 13, 2024
Property Address	3786 KNOTTY PINE ST, SAINT CLOUD, FL 34772-6338
Document Number	0066952165
Book / Page	6695 / 2165
Map Reference	MB 33 PG 37-42
Instrument Date	Nov 11, 2024
Instrument	2024144623
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	M/I TITLE AGENCY LIMITED LC, M I TITLE AGENCY LTD L C

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,287.50
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 INTERNATIONAL PKWY STE 470, 470, LAKE MARY, FL 32746-5054

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3786 KNOTTY PINE ST, SAINT CLOUD, FL 34772-6338

Mortgage

Document Number	2024144624
Date	Nov 13, 2024
Instrument	2024144624

Lender

Name	M/I FINANCIAL LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2054

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	$11,158.00	$530,100 Land $65,000 Building $465,100	$530,100 Land $65,000 Building $465,100

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 Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM

Wildfire

Wildfire Risk	High above 82% of the US · above 73% of Florida
Wildfire Likelihood	About 1 in 168 per year
Exposure	Direct burnable vegetation at the parcel

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