Osceola County property record for 3911 Knotty Pine St, Saint Cloud, FL 34772 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2.5 Baths |
| Architecture Style | Conventional |
| Year Built | Built 2024 |
| Square Footage | 1,608 sqft Living Area |
| Lot Size | 2,178 sqft (0.05 acres) |
| Garage | Attached, 456 sqft |
| Tax Bill | $1,910.00 (2024) |
| Primary APN | 21-26-30-3649-0001-3930 |
|---|---|
| Alternative APN |
|
| 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 |
| 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 |
| Heating System | Central Heating |
|---|
| Street Address | 3911 KNOTTY PINE ST |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-6351 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | HAVENFIELD AT CROSS PRAIRIE PH 2 PB 34 PGS 102-106 LOT 393 |
| Legal Lot Number | 393 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1011 |
| Census Tract | 43209 |
Source: Osceola County records · APN 21-26-30-3649-0001-3930
Assessment roll updated November 26, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1717 CARILLON PARK DR, OVIEDO, FL 32765-5129 |
| Owner Type | Owner is a Company |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3911 KNOTTY PINE ST, SAINT CLOUD, FL 34772-6351 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1717 CARILLON PARK DR, OVIEDO, FL 32765-5129 |
| Document Number | 0066212247 |
|---|---|
| Date | Jun 24, 2024 |
| Book Page | 6621/2247 |
| Instrument | 2024082547 |
| Name | BANCO DO BRASIL AMERICAS |
|---|---|
| Type | Bank |
| Address | MIAMI, FL 33131 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7% |
| Type Change Date | Jun 01, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 7% |
| Max Rate At Change | 9% |
| Index | 52-Week T-Bill (1-Year) |
| Max Rate | 13% |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $267,500 Land $45,000 Building $222,500 | $267,500 Land $45,000 Building $222,500 | |
| 2024 | $1,910.00 |
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
| 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 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.
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