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4300 Pine Lake Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4300 Pine Lake Dr, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,080 sqft · built 1976
Lot Size0.253 acres (11,021 sqft)
OwnerIndividual Name on Record
Last Sale$212,000 (Oct 2019)
Tax Bill$2,070 (2025)
Deeds & MortgagesOct 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN82715

Property Details

APN / Parcel Number

Primary APN82715
Alternative APN
  • 042630091000010010

Interior

Full Baths2 Baths
Stories1 Story
Building Area1,080 sqft Heated Area
Gross Area1,764 sqft
1st Floor Area1,080 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1976
Exterior MaterialAluminum Siding
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area11,021 sqft (0.253 acres)
Lot Dimensions110 ft deep x 90 ft wide
Garage TypeFinished
Garage Area504 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Screened Porch
Porch Area180 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number82715
Street Address4300 PINE LAKE DR
CitySAINT CLOUD
StateFL
Zip34769-1614
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR1
Legal DescriptionPINE LAKE ESTATES UNIT B PB 2 PG 147 LOT 1 09-26-30
Legal Range30E
Legal Township26S
Legal Section04
Legal SubdivisionPINE LAKE ESTATE
Legal Tract910
Legal Block1
Legal Lot Number1,9 9
Legal UnitB
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1000
Census Tract43208

Owner

Source: Osceola County records, as of December 11, 2025

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

Owner of RecordIndividual Name on Record
Mailing Address4300 PINE LAKE DR, SAINT CLOUD, FL 34769-1614
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 22, 2019 · Amount on Record
Deed SaleOct 22, 2019 · Amount on Record
Deed Document Number2019136567
Deed Book / Page5609 / 2448
Record UpdatedJun 8, 2026

October 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 22, 2019
Property Address4300 PINE LAKE DR, SAINT CLOUD, FL 34769-1614
Document Number0056092448
Book / Page005609 / 002448
Instrument DateOct 21, 2019
Instrument136567
Transaction TypeTransfer
Record UpdatedNov 13, 2019
Title CompanyNATIONWIDE TITLE CLEARING INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,484.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4300 PINE LAKE DR ST CLOUD FL 347691614, ST CLOUD, FL 34769-1614

Mortgage

Document Number56092449
DateOct 22, 2019
Book Page005609/002449
Instrument136568
Lender
NamePRIME LNDG
AddressDALLAS, TX 75252
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueOct 21, 2049

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,070.00 (+6.98%) Homeowner's exemption$158,538 (+5.99%)$237,300 (-2.06%) Land $65,000 Building $172,300
2023$1,935.00 (+4.14%) Homeowner's exemption$149,583 (+3%)$242,300 (+15.77%) Land $60,000 Building $182,300
2022$1,858.00 Homeowner's exemption$145,227$209,300 Land $55,000 Building $154,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 29 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies35 units insured
incl. 6 condo units

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood0.07% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 231 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Starlink
Satellite		280 / 30

May also be available: CenturyLink, Verizon.

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