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3799 Knotty Pine St, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3799 Knotty Pine St, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,769 sqft · built 2024
Lot Size0.139 acres (6,098 sqft)
OwnerIndividual Name on Record
Last Sale$485,700 (Jul 2024)
Tax Bill$6,930 (2025)
Deeds & MortgagesJul 2024 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN212630364500010950

Property Details

APN / Parcel Number

Primary APN212630364500010950

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,769 sqft Heated Area
Gross Area2,359 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2024
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,098 sqft (0.139 acres)
Garage TypeFinished
PorchOpen Porch
Porch Area170 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3799 KNOTTY PINE ST
CitySAINT CLOUD
StateFL
Zip34772-6337
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionEDEN AT CROSS PRAIRIE PB 33 PGS 37-42 LOT 95
Legal Lot Number95
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1011
Census Tract43209

Owner

Source: Osceola County records, as of December 11, 2025

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

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address3799 KNOTTY PINE ST, SAINT CLOUD, FL 34772-6337
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 1, 2024 · Amount on Record
Deed SaleJul 1, 2024 · Amount on Record
Deed Document Number0066261730
Deed Book / Page6626 / 1730
Record UpdatedJun 8, 2026

July 2024: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 1, 2024
Property Address3799 KNOTTY PINE ST, SAINT CLOUD, FL 34772-6337
Document Number0066261730
Book / Page6626 / 1730
Map ReferenceMB 33 PG 37-42
Instrument DateJul 1, 2024
Instrument2024086432
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 12, 2025
Title CompanyM/I TITLE AGENCY LIMITED LC, M I TITLE AGENCY LTD L C

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,399.90
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address400 INTERNATIONAL PKWY, LAKE MARY, FL 32746-5061

Transferred To (Grantee/Buyer)

NameVerified Name
Address3799 KNOTTY PINE ST, SAINT CLOUD, FL 34772-6337

Mortgage

Document Number2024086433
DateJul 1, 2024
Instrument2024086433
Lender
NameM/I FINANCIAL LLC
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2054

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,930.00 Homeowner's exemption$337,000 Land $65,000 Building $272,000$337,000 Land $65,000 Building $272,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 136 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies136 in force
Nearby Flood Claims4 (2011–2022)
Claims Outside the SFHA1 of 4
Most Recent ClaimOct 2022 · Hurricane Ian
Claims by Event
  • Hurricane Ian, Oct 2022 · 2 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskHigh
above 82% of the US · above 72% of Florida
Wildfire Likelihood0.6% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemTOHO WATER AUTHORITY-POINCIANA SYSTEM
public/private · serves 69,447 people · EPA ID FL3494429
Water SourceGroundwater
Last State InspectionMar 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 112 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		8,000 / 8,000
Xfinity
Cable		2,000 / 250
Spectrum
Fiber		1,000 / 1,000
AT&T
Fixed Wireless		100 / 20

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