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4312 Pine Lake Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4312 Pine Lake Dr, Saint Cloud, FL 34769 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,786 sqft · built 1976
Lot Size0.234 acres (10,193 sqft)
Owner2 Individual Names on File
Last Sale$375,000 (May 2026)
Tax Bill$1,219 (2025)
Deeds & MortgagesAug 2023 Line of Credit
May 2026 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN04-26-30-0910-0001-0030

Property Details

APN / Parcel Number

Primary APN04-26-30-0910-0001-0030
Alternative APNs
  • 263004091000010030
  • 82717

Interior

Full Baths2 Baths
Stories1 Story
Building Area1,786 sqft Living Area
Gross Area2,532 sqft
1st Floor Area1,450 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1976
Effective Year BuiltEffective 1976
Architectural StyleCustom Design
Exterior MaterialBrick
Construction TypeBrick
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area10,193 sqft (0.234 acres)
Lot Dimensions110 ft deep x 94 ft wide
Garage TypeAttached
Garage Area638 sqft
Parking Spaces2 Parking Spaces
PorchFlorida Room
Porch Area444 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address4312 PINE LAKE DR
CitySAINT CLOUD
StateFL
Zip34769-1614
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPINE LAKE ESTATES UNIT B PB 2 PG 147 LOT 3 09-26-30
Legal Range30E
Legal Township26S
Legal Section04
Legal SubdivisionPINE LAKE ESTATES UNIT B
Legal Tract910
Legal Block30
Legal Lot Number3
Legal UnitB
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1000
Census Tract43208

Owner

Source: Osceola County records · APN 04-26-30-0910-0001-0030

Assessment roll updated November 26, 2025 · Last verified May 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 Address4312 PINE LAKE DR, SAINT CLOUD, FL 34769-1614
OccupancyOwner Occupied
Owner TypeIndividual
VestingHis Wife

Deeds, Mortgages & Sale History

DateDocument
Aug 01, 2023Deed of Trust, Mortgage · Line of Credit
FLORIDA CU
May 08, 2026Warranty Deed, Transfer · Conventional Mortgage
JPMORGAN CHASE BANK N A

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 08, 2026 · Amount on Record
Deed SaleMay 08, 2026 · Amount on Record
Prior SaleFeb 27, 2002 · Amount on Record
Deed Document Number202661203
Deed Book / Page6968 / 2474
Record UpdatedSep 20, 2026

August 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4312 PINE LAKE DR, SAINT CLOUD, FL 34769-1614
Transaction TypeMortgage
Record UpdatedMay 22, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
InvestorPossibly a Property Investor

Mortgage

Document Number0064500141
DateAug 01, 2023
Book Page6450/141
Instrument2023099516
Lender
NameFLORIDA CU
TypeCredit Union
AddressGAINESVILLE, FL 32627
Agreement
TypeLine of Credit
AmountAmount Recorded
Term240 Months
DueJul 31, 2043
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

May 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 08, 2026
Property Address4312 PINE LAKE DR, SAINT CLOUD, FL 34769-1614
Document Number0000061203
Book / Page6968 / 2474
Instrument DateMay 07, 2026
Instrument2026.61203
Transaction TypeTransfer
Record UpdatedMay 19, 2026
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$265,125.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4312 PINE LAKE DR, SAINT CLOUD, FL 34769-1614
InvestorPossibly a Property Investor

Mortgage

Document Number0000061204,
DateMay 08, 2026
Book Page6968/2476
Instrument2026.61204
Lender
NameJPMORGAN CHASE BANK N A
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2056
Interest
Rate TypeFixed Rate
Rate6.38%
Initial TypeFixed Rate
Max Rate-1%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$1,219.00 (+4.19%) Homeowner's exemption$111,010 (+5.99%)$284,600 (-2.63%) Land $65,000 Building $219,600
2024$1,170.00 (+3.82%)
2023$1,127.00 (+5.03%) Homeowner's exemption$104,740 (+3%)$292,300 (+16.22%) Land $60,000 Building $232,300
2022$1,073.00 Homeowner's exemption$101,690$251,500 Land $55,000 Building $196,500

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 RiskLow
above 36% of the US · above 10% of Florida
Wildfire LikelihoodAbout 1 in 1,515 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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