4190 Pine Tree Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4190 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 2004
Square Footage	2,311 sqft Heated Area
Lot Size	92,086 sqft (2.11 acres)
Occupancy	Owner Occupied
Last Sale	$765,000 (2024)
Tax Bill	$7,333.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`87798`
Alternative APN	`252630508000010712`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,311 sqft Heated Area
Gross Area	3,532 sqft Gross Area
1st Floor	2,311 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2004
Exterior Material	Aluminum Siding Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	92,086 sqft (2.11 acres)
Parking Spaces	13 Parking Spaces
Garage Type	Finished Garage
Garage Area	3,200 sqft Garage
Porch	Open Porch
Porch Area	508 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	87798
Street Address	4190 PINE TREE DR
City	SAINT CLOUD
State	FL
Zip	34772-8709
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	ST CLOUD MANOR EST UN 2 PB 1 PG 365 E 1/2 LOT 71 LESS E 5 FT
Legal Range	30E
Legal Township	26S
Legal Section	25
Legal Subdivision	ST CLOUD MANOR EST 2
Legal Tract	5080
Legal Block	1
Legal Lot Number	71
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1043
Census Tract	43304

Owner

Source: Osceola County records · APN 87798

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	4190 PINE TREE DR, SAINT CLOUD, FL 34772-8709
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 13, 2024 · Amount on Record
Deed Sale	Dec 13, 2024 · Amount on Record
Deed Doc Number	2024157608
Deed Book / Page	6710 / 2260
Record Refreshed	Jun 08, 2026

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 13, 2024
Property Address	4190 PINE TREE DR, SAINT CLOUD, FL 34772-8709
Document Number	0067102260
Book / Page	6710 / 2260
Map Reference	MB 1 PG 385
Instrument Date	Dec 06, 2024
Instrument	2024157608
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$5,355.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3915 GLEN MEADE DR, VALDOSTA, GA 31601-2750

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4190 PINE TREE DR, SAINT CLOUD, FL 34772-8709

Mortgage

Document Number	2024157609
Date	Dec 13, 2024
Instrument	2024157609

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2055

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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,333.00 (+137.47%)	$477,900 (+120.44%) Land $106,800 Building $371,100	$477,900 (+3.78%) Land $106,800 Building $371,100
2023	$3,088.00 (+4.43%) Homeowner's exemption	$216,798 (+3%)	$460,500 (+18.2%) Land $105,700 Building $354,800
2022	$2,957.00 Homeowner's exemption	$210,484	$389,600 Land $84,600 Building $305,000

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 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 625 per year
Exposure	Direct burnable vegetation at the parcel

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