4319 Pine Lake Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4319 Pine Lake Dr, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,508 sqft · built 1977
Lot Size	0.301 acres (13,111 sqft)
Owner	2 Individual Names on File
Tax Bill	$946 (2025)
Deeds & Mortgages	Jul 2026 Sale May 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`04-26-30-0908-0001-0130`

Property Details

APN / Parcel Number

Primary APN	`04-26-30-0908-0001-0130`
Alternative APNs	`263004090800010130` `82711`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,508 sqft Living Area
Gross Area	2,150 sqft
1st Floor Area	1,508 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,111 sqft (0.301 acres)
Lot Dimensions	116 ft deep x 106 ft wide
Garage Type	Attached
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	512 sqft
Porch	Finished/Open Porch
Porch Area	96 sqft
Deck Area	530 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4319 PINE LAKE DR
City	SAINT CLOUD
State	FL
Zip	34769-1615
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1A
Legal Description	PINE LAKE ESTATES UNIT 5 PB 2 PG 166 LOT 13 & COM AT MOST WLY COR LOT 12, N 57 DEG E 47.50 FT TO POB; CONT N 57 DEG E 12.20 FT, S 44 DEG W 11.88 FT, N 45 DEG W 2.75 FT TO POB 09-26-30
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PINE LAKE ESTATES UNIT 5
Legal Tract	908
Legal Block	130
Legal Lot Number	13
Legal Unit	5P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3003
Census Tract	43208

Owner

Source: Osceola County assessment roll, as of November 26, 2025

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

Owner of Record	2 Individual Names on File
Mailing Address	4319 PINE LAKE DR, SAINT CLOUD, FL 34769-1615
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
May 13, 2026	Deed of Trust, Mortgage · Line of Credit P N C BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Jul 14, 2026
Transfer Doc	0000092606
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 15, 2026
Property Address	4319 PINE LAKE DR, SAINT CLOUD, FL 34769-1615
Document Number	0000092606
Book / Page	7004 / 731
Instrument Date	Jul 14, 2026
Instrument	202692606
Transaction Type	Transfer
Record Updated	Jul 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	4319 PINE LAKE DR, SAINT CLOUD, FL 34769-1615

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	May 13, 2026
Property Address	4319 PINE LAKE DR, SAINT CLOUD, FL 34769-1615
Document Number	0000063581
Book / Page	6971 / 1176
Instrument Date	May 1, 2026
Instrument	202663581
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4319 PINE LAKE DR, SAINT CLOUD, FL 34769-1615

Mortgage

Document Number	0000063581,
Date	May 13, 2026
Book Page	6971/1176
Instrument	202663581

Lender

Name	P N C BANK NA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	May 20, 2066

Interest

Rate	6.46%
Max Rate	-1%

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$946.00 (+11.03%) Homeowner's exemption Senior Citizen's exemption Widower's exemption	$112,419 (+5.99%)	$288,700 (-1.4%) Land $65,000 Building $223,700
2023	$852.00 (-3.07%) Homeowner's exemption Senior Citizen's exemption Widower's exemption	$106,069 (+3%)	$292,800 (+15.46%) Land $60,000 Building $232,800
2022	$879.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption	$102,980	$253,600 Land $55,000 Building $198,600

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 25 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	25 in force

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 Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

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

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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

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

May also be available: Lumen Technologies, Verizon.

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