3886 Knotty Pine St, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3886 Knotty Pine St, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Condominium / Townhouse > Townhouse
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2024
Square Footage	2,160 sqft Heated Area
Lot Size	3,049 sqft (0.069 acres)
Garage	Finished
Last Sale	$351,100 (2024)
Tax Bill	$6,779.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`212630364400013790`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Partial Baths	1 Partial Baths
Building Area	2,160 sqft Heated Area
Gross Area	2,712 sqft Gross Area
Stories	2 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2024
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	3,049 sqft (0.069 acres)
Garage Type	Finished Garage
Porch	Open Porch
Porch Area	72 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	3886 KNOTTY PINE ST
City	SAINT CLOUD
State	FL
Zip	34772-6307
Property Usage	Residential Property Usage
Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	HAVENFIELD AT CROSS PRAIRIE PB 33 PGS 6-10 LOT 379
Legal Lot Number	379
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1011
Census Tract	43209

Owner

Source: Osceola County records · APN 212630364400013790

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	20 ELMWOOD DR, WARREN, NJ 07059-6836
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	Mar 01, 2024 · Amount on Record
Deed Sale	Mar 01, 2024 · Amount on Record
Deed Doc Number	2024027348
Deed Book / Page	6558 / 781
Record Refreshed	Jun 08, 2026

March 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 01, 2024
Property Address	3886 KNOTTY PINE ST, SAINT CLOUD, FL 34772-6307
Document Number	0065580781
Book / Page	6558 / 781
Map Reference	MB 33 PGS 6 THROUGH
Instrument Date	Jan 31, 2024
Instrument	2024027348
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	UNKNOWN, CLEAR TITLE OF FLORIDA LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,457.70
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	283 CRANES ROOST BLVD STE 250, 250, ALTAMONTE SPRINGS, FL 32701-3546

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 ELMWOOD DR, WARREN, NJ 07059-6836

Mortgage

Document Number	2024027349
Date	Mar 01, 2024
Instrument	2024027349

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,779.00 (+389.46%)	$313,700 (+1,551.05%) Land $45,000 Building $268,700	$313,700 (+1,551.05%) Land $45,000 Building $268,700
2023	$1,385.00	$19,000 Land $19,000	$19,000 Land $19,000

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 88% of the US · above 80% of Florida
Wildfire Likelihood	About 1 in 159 per year
Exposure	Direct burnable vegetation at the parcel

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