3787 Knotty Pine St, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3787 Knotty Pine St, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,120 sqft · built 2024
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$574,405 (Sep 2024)
Tax Bill	$9,658 (2025)
Deeds & Mortgages	Sep 2024 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`212630364500010930`

Property Details

APN / Parcel Number

Primary APN	`212630364500010930`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,120 sqft Heated Area
Gross Area	4,012 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Finished
Porch	Open Porch
Porch Area	166 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3787 KNOTTY PINE ST
City	SAINT CLOUD
State	FL
Zip	34772-6337
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EDEN AT CROSS PRAIRIE PB 33 PGS 37-42 LOT 93
Legal Lot Number	93
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1011
Census Tract	43209

Owner

Source: Osceola County records · APN 212630364500010930

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	3787 KNOTTY PINE ST, SAINT CLOUD, FL 34772-6337
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 04, 2024 · Amount on Record
Deed Sale	Sep 04, 2024 · Amount on Record
Deed Document Number	2024113941
Deed Book / Page	6659 / 2499
Record Updated	Jun 08, 2026

September 2024: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 04, 2024
Property Address	3787 KNOTTY PINE ST, SAINT CLOUD, FL 34772-6337
Document Number	0066592499
Book / Page	6659 / 2499
Map Reference	MB 33 PG 37-42
Instrument Date	Aug 28, 2024
Instrument	2024113941
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	M/I TITLE AGENCY LIMITED LC, M I TITLE AGENCY LTD LC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,021.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

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	3787 KNOTTY PINE ST, SAINT CLOUD, FL 34772-6337

Mortgage

Document Number	2024113942
Date	Sep 04, 2024
Instrument	2024113942

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 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	$9,658.00 Homeowner's exemption	$489,400 Land $65,000 Building $424,400	$489,400 Land $65,000 Building $424,400

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.