4324 Pine Lake Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4324 Pine Lake Dr, Saint Cloud, FL 34769 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,164 sqft · built 1976
Lot Size	0.258 acres (11,238 sqft)
Owner	2 Individual Names on File
Last Sale	$209,000 (Jun 2017)
Tax Bill	$5,314 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-26-30-0910-0001-0050`

Property Details

APN / Parcel Number

Primary APN	`04-26-30-0910-0001-0050`
Alternative APNs	`263004091000010050` `82719`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,164 sqft Living Area
1st Floor Area	1,050 sqft
Upper Floors Area	586 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1996
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,238 sqft (0.258 acres)
Lot Dimensions	100 ft deep x 98 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	36 sqft
Porch	Florida Room
Porch Area	728 sqft
Deck Area	424 sqft
Shed	1 Shed
Shed Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4324 PINE LAKE DR
City	SAINT CLOUD
State	FL
Zip	34769-1616
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINE LAKE ESTATES UNIT B PB 2 PG 147 LOT 5 09-26-30
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PINE LAKE ESTATES UNIT B
Legal Tract	910
Legal Block	50
Legal Lot Number	5
Legal Unit	B
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43208

Owner

Source: Osceola County records · APN 04-26-30-0910-0001-0050

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

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	4324 PINE LAKE DR, SAINT CLOUD, FL 34769-1616
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 04, 2022	Warranty Deed, Transfer · Conventional Mortgage MY MORTGAGE INC
Jun 02, 2017	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 02, 2017 · Amount on Record
Deed Sale	Jun 02, 2017 · Amount on Record
Prior Sale	Jan 13, 2003 · Amount on Record
Deed Document Number	201780695
Deed Book / Page	5158 / 36
Prior Transfer Date	Feb 22, 2005
Prior Transfer Doc	0027282150
Record Updated	Jun 08, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 04, 2022
Property Address	4324 PINE LAKE DR, SAINT CLOUD, FL 34769-1616
Document Number	0061861641
Book / Page	6186 / 1641
Map Reference	MB 2 PG 147
Instrument Date	Mar 01, 2022
Instrument	2022053192
Transaction Type	Transfer
Record Updated	Apr 19, 2022
Title Company	INTEGRITY TITLE AND GUARANTY, INTEGRITY TTL & GUARANTY AGC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,905.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3100 S INDIANA AVEA, 3100, SAINT CLOUD, FL 34769

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 CINNAMON DR, KISSIMMEE, FL 34759-5405

Mortgage

Document Number	0061861627
Date	Apr 04, 2022
Instrument	6186/1627

Lender

Name	MY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2052

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 02, 2017
Property Address	4324 PINE LAKE DR, SAINT CLOUD, FL 34769-1616
Document Number	0051580036
Book / Page	005158 / 000036
Instrument Date	May 31, 2017
Instrument	80695
Transaction Type	Transfer
Record Updated	Jul 17, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,463.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4324 PINE LAKE DR ST CLOUD FL 347691616, ST CLOUD, FL 34769-1616

Mortgage

Document Number	51580037
Date	Jun 02, 2017
Book Page	005158/000037
Instrument	80696

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2047

Tax Assessment & Valuation

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

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,314.00 (-5.33%) Homeowner's exemption	$339,800 (-2.86%) Land $65,000 Building $274,800	$339,800 (-2.86%) Land $65,000 Building $274,800
2024	$5,613.00 (-10.95%)
2023	$6,303.00 (+130.88%)	$349,800 (+80.64%) Land $60,000 Building $289,800	$349,800 (+15.1%) Land $60,000 Building $289,800
2022	$2,730.00 Homeowner's exemption	$193,646	$303,900 Land $55,000 Building $248,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432081, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Cost	Premium on Record median of 29 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	35 units insured 6 under condo master policies

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 350 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Lumen Technologies	DSL	140 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA, Verizon, Lumen Technologies, Hotwire Communications, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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