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4315 Pine Tree Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4315 Pine Tree Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2006
Square Footage1,372 sqft Heated Area
Lot Size87,120 sqft (2 acres)
OccupancyOwner Occupied
Last Sale$540,000 (2022)
Tax Bill$5,527.00 (2025)

Property Details

APN / Parcel Number

Primary APN87773
Alternative APN
  • 252630507000010610

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,372 sqft Heated Area
Gross Area2,156 sqft Gross Area
1st Floor1,372 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 2006
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area87,120 sqft (2 acres)
Parking Spaces1 Parking Spaces
Garage TypeCarport Garage
CarportCarport

Exterior Amenities

PorchOpen Porch
Porch Area784 sqft Porch
Pole Structure216 sqft Pole Structure
Utility Building600 sqft Utility Building

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number87773
Street Address4315 PINE TREE DR
CitySAINT CLOUD
StateFL
Zip34772-8073
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionST CLOUD MANOR EST UNIT 1 PB 1 PG 363 COM AT NE COR OF LOT 61, W 379.5 FT TO POB; S 7 DEG E 309.97 FT TO N R/W OF PINE TREE
Legal Range30E
Legal Township26S
Legal Section25
Legal SubdivisionST CLOUD MANOR EST 1
Legal Tract5070
Legal Block1
Legal Lot Number61
Legal Unit1P
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1023
Census Tract43304

Owner

Source: Osceola County records · APN 87773

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address4315 PINE TREE DR, SAINT CLOUD, FL 34772-8073
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jun 06, 2024Deed of Trust, Mortgage · Conventional Mortgage
CROSSCOUNTRY MORTGAGE LLC
Dec 12, 2023Quit Claim Deed, Transfer
Quitclaim Document
Dec 12, 2023Quit Claim Deed, Transfer
Quitclaim Document
Jul 29, 2022Warranty Deed, Transfer · Commercial Mortgage
BENWORTH CAPITAL PARTNERS LLC
Mar 02, 2018Deed of Trust, Mortgage · Line of Credit
BANK OF AMERICA NA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 29, 2022 · Amount on Record
Deed SaleJul 29, 2022 · Amount on Record
Prior SaleJul 29, 2022 · Amount on Record
Deed Doc Number0062600601
Deed Book / Page6260 / 601
Last Transfer DateDec 12, 2023
Transfer Doc0065180854
Record RefreshedJun 08, 2026

June 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4315 PINE TREE DR, SAINT CLOUD, FL 34772-8073
Transaction TypeMortgage
Record UpdatedDec 12, 2025
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

NameVerified Name
Address4315 PINE TREE DR, SAINT CLOUD, FL 34772-8073

Mortgage

Document Number0066121851
DateJun 06, 2024
Book Page6612/1851
Instrument2024074601
Lender
NameCROSSCOUNTRY MORTGAGE LLC
TypeMortgage Company
AddressCLEVELAND, OH 44114
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2054

December 2023: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateDec 12, 2023
Property Address4315 PINE TREE DR, SAINT CLOUD, FL 34772-8073
Document Number0065180854
Book / Page6518 / 854
Instrument DateDec 09, 2023
Instrument2023161907
Transaction TypeTransfer
Record UpdatedJan 29, 2024

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Quitclaim Document
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address4315 PINE TREE DR, SAINT CLOUD, FL 34772-8073

Transferred To (Grantee/Buyer)

NameVerified Name
Address4315 PINE TREE DR, SAINT CLOUD, FL 34772-8073

December 2023: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateDec 12, 2023
Property Address4315 PINE TREE DR, SAINT CLOUD, FL 34772-8073
Document Number0065180854
Book / Page6518 / 854
Instrument DateDec 09, 2023
Instrument2023161907
Transaction TypeTransfer
Record UpdatedDec 12, 2025

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Quitclaim Document
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address4315 PINE TREE DR, SAINT CLOUD, FL 34772-8073

Transferred To (Grantee/Buyer)

NameVerified Name
Address4315 PINE TREE DR, SAINT CLOUD, FL 34772-8073

July 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 29, 2022
Property Address4315 PINE TREE DR, SAINT CLOUD, FL 34772-8073
Document Number0062600601
Book / Page6260 / 601
Instrument DateJul 29, 2022
Instrument2022116681
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyUNKNOWN, A CLEAR CHOICE T&E OF OSCEOL

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,780.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address1755 S JOHN YOUNG PKWY, KISSIMMEE, FL 34741-6392

Transferred To (Grantee/Buyer)

NameVerified Name
Address1927 PARTIN TERRACE RD, KINDRED, FL 34744-6049

Mortgage

Document Number0006260603
DateJul 29, 2022
Instrument6260/603
Lender
NameBENWORTH CAPITAL PARTNERS LLC
TypeNon-Lending Institution
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

March 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4315 PINE TREE DR, SAINT CLOUD, FL 34772-8073
Transaction TypeMortgage
Record UpdatedFeb 08, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0052951248
DateMar 02, 2018
Book Page5295/1248
Instrument2018036126
Lender
NameBANK OF AMERICA NA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeLine of Credit
AmountAmount Recorded
Term359 Months
DueFeb 21, 2048
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
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$5,527.00 (+3.7%)$347,500 (+3.05%) Land $101,000 Building $246,500$347,500 (+3.05%) Land $101,000 Building $246,500
2023$5,330.00 (+144.38%)$337,200 (+117.53%) Land $101,000 Building $236,200$337,200 (+19.36%) Land $101,000 Building $236,200
2022$2,181.00 Homeowner's exemption$155,013$282,500 Land $80,000 Building $202,500

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 A, within 100 ft

Wildfire

Wildfire RiskModerate
above 52% of the US · above 22% of Florida
Wildfire LikelihoodAbout 1 in 781 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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