Osceola County property record for 3898 Knotty Pine St, Saint Cloud, FL 34772
| Property Type | Townhouse |
|---|---|
| Details | 4 bd · 3 ba · 2,160 sqft · built 2024 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $350,000 (Jan 2024) |
| Tax Bill | $4,296 (2025) |
| Deeds & Mortgages | Feb 2024 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 212630364400013820 |
| Primary APN | 212630364400013820 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,160 sqft Heated Area |
| Gross Area | 2,712 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2024 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 3,485 sqft (0.08 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Porch Area | 72 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 3898 KNOTTY PINE ST |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-6307 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | HAVENFIELD AT CROSS PRAIRIE PB 33 PGS 6-10 LOT 382 |
| Legal Lot Number | 382 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 43209 |
3898 Knotty Pine St, a townhouse, is owned and occupied by two individuals who bought it in January 2024.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 3898 KNOTTY PINE ST, SAINT CLOUD, FL 34772-6307 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 31, 2024 · Amount on File |
| Deed Sale | Jan 31, 2024 · Amount on File |
| Deed Document Number | 0065461143 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3898 KNOTTY PINE ST, SAINT CLOUD, FL 34772-6307 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1612 MICHIGAN AVE, SAINT CLOUD, FL 34769-4543 |
| Document Number | 0065461145 |
|---|---|
| Date | Feb 7, 2024 |
| Book Page | 6546/1145 |
| Instrument | 2024016458 |
| Name | NORTHPOINT MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | STURBRIDGE, MA 01566 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2054 |
The 2025 property tax bill for 3898 Knotty Pine St was $4,296 with a homeowner's exemption.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,296.00 Homeowner's exemption | $218,059 | $313,700 Land $45,000 Building $268,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3898 Knotty Pine St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 136 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 136 in force |
| Nearby Flood Claims | 4 (2011–2022) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Oct 2022 · Hurricane Ian |
| Claims by Event |
|
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 risk around 3898 Knotty Pine St is high, ranking above 87% of the US, with a 0.6% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 87% of the US · above 80% of Florida |
|---|---|
| Wildfire Likelihood | 0.6% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 112 locations within half a mile, as of December 31, 2025
| Provider | Max 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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