4181 Pine Tree Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4181 Pine Tree Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2017
Square Footage	3,134 sqft Heated Area
Lot Size	190,183 sqft (4.36 acres)
Occupancy	Owner Occupied
Last Sale	$625,000 (2020)
Tax Bill	$7,540.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`87769`
Alternative APN	`252630507000010580`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	3,134 sqft Heated Area
Gross Area	4,136 sqft Gross Area
1st Floor	3,134 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2017
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	190,183 sqft (4.36 acres)

Exterior Amenities

Pool Area	450 sqft Pool
Shed	1 Shed
Shed Area	375 sqft Shed
Deck Area	1,200 sqft Deck
Patio Area	144 sqft Patio
Porch	Open Porch
Porch Area	1,002 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	87769
Street Address	4181 PINE TREE DR
City	SAINT CLOUD
State	FL
Zip	34772-8536
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	ST CLOUD MANOR EST. UNIT 1 PB 1 PG 363 W 310.90 FT OF LOT 58
Legal Range	30E
Legal Township	26S
Legal Section	25
Legal Subdivision	ST CLOUD MANOR EST 1
Legal Tract	5070
Legal Block	1
Legal Lot Number	58
Legal Unit	1P
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1024
Census Tract	43304

Owner

Source: Osceola County records · APN 87769

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
Co-owner	Verified Secondary Owner
Mailing Address	4181 PINE TREE DR, SAINT CLOUD, FL 34772-8536
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2020	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
May 04, 2018	Warranty Deed, Transfer · Conventional Mortgage SUNTRUST MORTGAGE INC
Sep 25, 2017	Warranty Deed, Transfer ZPN CAPITAL LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 28, 2020 · Amount on Record
Deed Sale	Dec 28, 2020 · Amount on Record
Prior Sale	May 04, 2018 · Amount on Record
Deed Doc Number	0005859167
Deed Book / Page	5859 / 167
Record Refreshed	Jun 08, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 28, 2020
Property Address	4181 PINE TREE DR, SAINT CLOUD, FL 34772-8536
Document Number	0058590167
Book / Page	5859 / 167
Map Reference	MB 1 PG 363
Instrument Date	Dec 28, 2020
Instrument	2020175603
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,375.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4181 PINE TREE DR, 4181, SAINT CLOUD, FL 34772-8536

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4181 PINE TREE DR, SAINT CLOUD, FL 34772-8536

Mortgage

Document Number	0005859169
Date	Dec 28, 2020
Instrument	5859/169

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2051

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 04, 2018
Property Address	4181 PINE TREE DR, SAINT CLOUD, FL 34772-8536
Document Number	0053282100
Book / Page	5328 / 2100
Map Reference	MB1 PG363
Instrument Date	May 03, 2018
Instrument	2018071807
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,115.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3245 ABIAKA DR, 3245, KISSIMMEE, FL 34743-6045

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4181 PINE TREE DR, SAINT CLOUD, FL 34772-8536

Mortgage

Document Number	2018071810
Date	May 04, 2018
Instrument	2018071810

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2048

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 25, 2017
Property Address	4181 PINE TREE DR, SAINT CLOUD, FL 34772-8536
Document Number	0052120428
Book / Page	005212 / 000428
Instrument Date	Sep 21, 2017
Instrument	135258
Transaction Type	Transfer
Record Updated	Nov 07, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3245 ABIAKA DR KISSIMMEE FL 347436045, KISSIMMEE, FL 34743-6045

Mortgage

Document Number	52120430
Date	Sep 25, 2017
Book Page	005212/000430
Instrument	135259

Lender

Name	ZPN CAPITAL LLC
Address	MOUNT DORA, FL 32757

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Sep 24, 2022

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
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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	$7,540.00 (+6.32%) Homeowner's exemption	$533,647 (+5.99%)	$746,100 (+4.67%) Land $105,100 Building $641,000
2023	$7,092.00 (+3.58%) Homeowner's exemption	$503,503 (+3%)	$712,800 (+17.8%) Land $105,100 Building $607,700
2022	$6,847.00 Homeowner's exemption	$488,838	$605,100 Land $83,200 Building $521,900

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 X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 57% of the US · above 29% of Florida
Wildfire Likelihood	About 1 in 826 per year
Exposure	Direct burnable vegetation at the parcel

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

4181 Pine Tree Dr, Saint Cloud, FL 34772 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

December 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2017: Warranty Deed, Transfer

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

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