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4400 Pine Lake Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4400 Pine Lake Dr, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,539 sqft · built 1974
Lot Size0.294 acres (12,806 sqft)
Owner2 Individual Names on Record
Tax Bill$1,298 (2025)
Deeds & MortgagesJun 2022 Reverse Mortgage
Flood ZoneZone X (minimal risk)
APN04-26-30-0902-0001-0330

Property Details

APN / Parcel Number

Primary APN04-26-30-0902-0001-0330
Alternative APNs
  • 263004090200010330
  • 82546

Interior

Full Baths2 Baths
Stories1 Story
Building Area1,539 sqft Living Area
Gross Area2,069 sqft
1st Floor Area1,539 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1974
Effective Year BuiltEffective 1980
Architectural StyleConventional
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area12,806 sqft (0.294 acres)
Lot Dimensions131 ft deep x 106 ft wide
Garage TypeAttached
Garage Area460 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area450 sqft
PorchMetal Porch
Porch Area400 sqft
Deck Area424 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address4400 PINE LAKE DR
CitySAINT CLOUD
StateFL
Zip34769-1616
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR1
Legal DescriptionPINE LAKE ESTATES UNIT 2 PB 2 PGS 92-95 LOT 33 09-26-30
Legal Range30E
Legal Township26S
Legal Section04
Legal SubdivisionPINE LAKE ESTATES UNIT 2
Legal Tract902
Legal Block330
Legal Lot Number33
Legal Unit2P
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1000
Census Tract43208

Owner

Source: Osceola County records, as of August 17, 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 Record
Mailing Address4400 PINE LAKE DR, SAINT CLOUD, FL 34769-1616
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateJun 21, 2022
Transfer Doc0062402557
Record UpdatedSep 20, 2026

June 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateJun 27, 2022
Property Address4400 PINE LAKE DR, SAINT CLOUD, FL 34769-1616
Document Number0062402557
Book / Page6240 / 2557
Map ReferenceMB 2 PG 92-95
Instrument DateJun 21, 2022
Instrument2022100012
Transaction TypeTransfer
Record UpdatedJul 12, 2022
Title CompanyF/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address4400 PINE LAKE DR, 4400, SAINT CLOUD, FL 34769-1616

Transferred To (Grantee/Buyer)

NameVerified Name
Address4400 PINE LAKE DR, SAINT CLOUD, FL 34769-1616

Mortgage

Document Number0062402559
DateJun 27, 2022
Instrument6240/2559
Lender
NameAMERICAN ADVISORS GROUP
TypeMortgage Company
Agreement
TypeReverse Mortgage
AmountAmount Recorded
Term902 Months
DueAug 13, 2097
Interest
Rate TypeAdjustable Rate
Rate4.88%
AdjustableAdjustable Rate Rider
Type Change DateAug 1, 2022
Change FrequencyMonthly
Index1-Year CMT
Max Rate9.88%

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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$1,298.00 (+4.09%) Homeowner's exemption$115,440 (+5.99%)$300,100 (-1.8%) Land $65,000 Building $235,100
2024$1,247.00 (+3.74%)
2023$1,202.00 (+4.89%) Homeowner's exemption$108,920 (+3%)$305,600 (+15.8%) Land $60,000 Building $245,600
2022$1,146.00 Homeowner's exemption$105,748$263,900 Land $55,000 Building $208,900

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 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 29 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies35 units insured
incl. 6 condo units

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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