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431 Pine Tree Bridge Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 431 Pine Tree Bridge Trl, Saint Cloud, FL 34772 · Last verified June 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 2022
Square Footage1,972 sqft Living Area
Lot Size6,098 sqft (0.14 acres)
OccupancyOwner Occupied
Last Sale$405,000 (2022)
Tax Bill$5,560.00 (2024)

Property Details

APN / Parcel Number

Primary APN13-26-30-0664-0001-1070
Alternative APN
  • 263013066400011070

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area1,972 sqft Living Area
Gross Area2,400 sqft Gross Area
1st Floor1,972 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area6,098 sqft (0.14 acres)
Garage TypeAttached Garage
Garage Area400 sqft Garage
Porch Area28 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address431 PINE TREE BRIDGE TRL
CitySAINT CLOUD
StateFL
Zip34772-6866
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionSOUTHERN PINES PH 4 PB 30 PGS 155-158 LOT 107
Legal Range30E
Legal Township26S
Legal Section13
Legal SubdivisionSOUTHERN PINES PHS 4 TAYLOR MORRISON HOM
Legal Phase4
Legal Lot Number107
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1000
Census Tract43303

Owner

Source: Osceola County records · APN 13-26-30-0664-0001-1070

Assessment roll updated November 26, 2025 · Last verified June 2026

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

Owner of Record2 Individual Names on File
Mailing Address431 PINE TREE BRIDGE TRL, SAINT CLOUD, FL 34772-6866
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingHusband And Wife

Deeds, Mortgages & Sale History

DateDocument
Oct 30, 2025Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
NEWREZ LLC
Dec 01, 2022Special Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
TAYLOR MORRISON HOME FUNDING LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 01, 2022 · Amount on Record
Deed SaleDec 01, 2022 · Amount on Record
Deed Doc Number2022173281
Deed Book / Page6323 / 1475
Record RefreshedSep 20, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address431 PINE TREE BRIDGE TRL, SAINT CLOUD, FL 34772-6866
Transaction TypeMortgage
Record UpdatedNov 12, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address431 PINE TREE BRIDGE TRL, SAINT CLOUD, FL 34772-6866

Mortgage

Document Number0068731500
DateOct 30, 2025
Book Page6873/1500
Instrument2025135018
Lender
NameNEWREZ LLC
TypeMortgage Company
AddressFORT WASHINGTON, PA 19034
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2055

December 2022: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 01, 2022
Property Address431 PINE TREE BRIDGE TRL, SAINT CLOUD, FL 34772-6866
Document Number0063231475
Book / Page6323 / 1475
Map ReferenceMB 30 PG 155
Instrument DateNov 30, 2022
Instrument2022173281
Transaction TypeTransfer
Record UpdatedJan 22, 2024
Title CompanyINSPIRED TITLE SERVICES LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,835.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address2600 LAKE LUCIEN DR STE 350, 350, MAITLAND, FL 32751-7489

Transferred To (Grantee/Buyer)

NameVerified Name
Address431 PINE TREE BRIDGE TRL, SAINT CLOUD, FL 34772-6866

Mortgage

Document Number0063231477
DateDec 01, 2022
Instrument6323/1477
Lender
NameTAYLOR MORRISON HOME FUNDING LLC
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueDec 01, 2052

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$5,507.00 (-0.95%) Homeowner's exemption$350,600 (+2.07%) Land $75,000 Building $275,600$350,600 (+2.07%) Land $75,000 Building $275,600
2024$5,560.00 (+2.53%)
2023$5,423.00 (+569.51%) Homeowner's exemption$343,500 (+663.33%) Land $60,000 Building $283,500$343,500 (+663.33%) Land $60,000 Building $283,500
2022$810.00$45,000 Land $45,000$45,000 Land $45,000

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft

Wildfire

Wildfire RiskHigh
above 70% of the US · above 51% of Florida
Wildfire LikelihoodAbout 1 in 330 per year
ExposureDirect
burnable vegetation at the parcel

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

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