3890 Knotty Pine St, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3890 Knotty Pine St, Saint Cloud, FL 34772 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2.5 Baths
Year Built	Built 2024
Square Footage	1,608 sqft Living Area
Lot Size	2,178 sqft (0.05 acres)
Garage	Attached, 456 sqft
Last Sale	$311,700 (2024)
Tax Bill	$5,952.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`21-26-30-3644-0001-3800`
Alternative APN	`263021364400013800`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Building Area	1,608 sqft Living Area
Gross Area	2,076 sqft Gross Area
1st Floor	636 sqft 1st Floor
Stories	2 Stories
Primary Flooring	Tile Flooring

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Conventional Style
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	2,178 sqft (0.05 acres)
Garage Type	Attached Garage
Garage Area	456 sqft Garage
Porch Area	12 sqft Porch

Utilities and HVAC

Heating System	Central Heating

Location & Zoning

Street Address	3890 KNOTTY PINE ST
City	SAINT CLOUD
State	FL
Zip	34772-6307
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	HAVENFIELD AT CROSS PRAIRIE PB 33 PGS 6-10 LOT 380
Legal Subdivision	HAVENFIELD AT CROSS PRAIRIE
Legal Lot Number	380
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1011
Census Tract	43209

Owner

Source: Osceola County records · APN 21-26-30-3644-0001-3800

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

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

Owner of Record	2 Individual Names on File
Mailing Address	2659 AUTUMN PEACE DR, KISSIMMEE, FL 34744-6473
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Husband And Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 07, 2024 · Amount on Record
Deed Sale	Feb 07, 2024 · Amount on Record
Deed Doc Number	202416355
Deed Book / Page	6546 / 720
Record Refreshed	Sep 20, 2026

February 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 07, 2024
Property Address	3890 KNOTTY PINE ST, SAINT CLOUD, FL 34772-6307
Document Number	0065460720
Book / Page	6546 / 720
Map Reference	MB 33 PG 6-10
Instrument Date	Jan 31, 2024
Instrument	2024016355
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	$2,181.90
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	283 CRANES ROOST BLVD #250250, 250250, PORTSMOUTH, VA 23701

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2659 AUTUMN PEACE DR, KISSIMMEE, FL 34744-6473

Mortgage

Document Number	0006546722
Date	Feb 07, 2024
Instrument	6546/722

Lender

Name	NORTHPOINT MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2054

Tax Assessment & Valuation

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

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	$5,952.00 (+261.6%)	$267,500 (+1,307.89%) Land $45,000 Building $222,500	$267,500 (+1,307.89%) Land $45,000 Building $222,500
2024	$1,646.00 (+18.84%)
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.