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4400 Mesa Verde Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4400 Mesa Verde Dr, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,573 sqft · built 1978
Lot Size0.285 acres (12,415 sqft)
Owner2 Owner Names on Record
Last Sale$165,000 (Jul 2003)
Tax Bill$1,238 (2025)
Deeds & MortgagesJan 2023 Line of Credit
Jan 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN82591

Property Details

APN / Parcel Number

Primary APN82591
Alternative APN
  • 042630090400010250

Interior

Full Baths2 Baths
Stories1 Story
Building Area1,573 sqft Heated Area
Gross Area2,077 sqft
1st Floor Area1,573 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1978
Effective Year BuiltEffective 1985
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area12,415 sqft (0.285 acres)
Lot Dimensions100 ft deep x 128 ft wide
Garage TypeFinished
Garage Area484 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area450 sqft
PorchOpen Porch
Porch Area20 sqft
Deck Area700 sqft
FenceFence
Shed1 Shed
Shed Area120 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number82591
Street Address4400 MESA VERDE DR
CitySAINT CLOUD
StateFL
Zip34769-1603
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR1B
Legal DescriptionPINE LAKE ESTATES UNIT 3 PB 2 PGS 96-97 LOT 25 09-26-30
Legal Range30E
Legal Township26S
Legal Section04
Legal SubdivisionPINE LAKE ESTATE
Legal Tract904
Legal Block1
Legal Lot Number9,25 9
Legal Unit3P
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3014
Census Tract43208

Owner

Source: Osceola County records, as of December 11, 2025

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

Owner of Record2 Owner Names on Record
Mailing Address4400 MESA VERDE DR, SAINT CLOUD, FL 34769-1603
OccupancyOwner Occupied

Deeds, Mortgages & Sale History

DateDocument
Jan 6, 2023Deed of Trust, Mortgage · Line of Credit
COASTAL COMMUNITY BANK
Jan 4, 2021Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 30, 2003 · Amount on Record
Deed SaleJul 30, 2003 · Amount on Record
Deed Document Number0230300467
Deed Book / Page02303 / 00467
Record UpdatedJun 8, 2026

January 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4400 MESA VERDE DR, SAINT CLOUD, FL 34769-1603
Transaction TypeMortgage
Record UpdatedJan 23, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address4400 MESA VERDE DR, SAINT CLOUD, FL 34769-1603

Mortgage

Document Number0063411894
DateJan 6, 2023
Book Page6341/1894
Instrument2023002717
Lender
NameCOASTAL COMMUNITY BANK
TypeBank
AddressBURLINGAME, CA 94010
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4400 MESA VERDE DR, SAINT CLOUD, FL 34769-1603
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0058630374
DateJan 4, 2021
Book Page5863/374
Instrument2021000013
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 1, 2051

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,238.00 (+8.6%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$117,088 (+5.99%)$281,700 (-2.15%) Land $65,000 Building $216,700
2023$1,140.00 (+5.26%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$110,475 (+3%)$287,900 (+14.66%) Land $60,000 Building $227,900
2022$1,083.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$107,258$251,100 Land $55,000 Building $196,100

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 25 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies25 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 RiskLow
lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood0.03% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Water SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 350 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Starlink
Satellite		280 / 30
CenturyLink
DSL · Fiber in parts of the area		140 / 20

May also be available: Hotwire Communications, T-Mobile, Verizon.

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