4401 Pine Lake Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4401 Pine Lake Dr, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 1989
Square Footage	2,994 sqft Heated Area
Lot Size	20,560 sqft (0.471 acres)
Occupancy	Owner Occupied
Last Sale	$285,000 (2017)
Tax Bill	$4,389.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`82547`
Alternative APN	`042630090200010340`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,994 sqft Heated Area
Gross Area	3,863 sqft Gross Area
1st Floor Area	2,574 sqft 1st Floor
Stories	1 Story
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace
Fireplaces	1 Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1989
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	20,560 sqft (0.471 acres)
Lot Dimensions	110 ft deep x 100 ft wide
Parking Spaces	2 Parking Spaces
Garage Type	Finished
Garage Area	567 sqft Garage

Exterior Amenities

Pool Area	450 sqft Pool
Fence	Fence
Deck Area	424 sqft Deck
Porch	Enclosed Porch
Porch Area	722 sqft Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	82547
Street Address	4401 PINE LAKE DR
City	SAINT CLOUD
State	FL
Zip	34769-1621
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINE LAKE ESTATES UNIT 2 PB 2 PGS 92-95 LOT 34 AND PINE LAKE ESTATES UNIT 3 PB 2 PGS 96-97 LOT 26
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PINE LAKE ESTATE
Legal Tract	902
Legal Block	1
Legal Lot Number	26,34 34
Legal Unit	2P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3004
Census Tract	43208

Owner

Source: Osceola County records · APN 82547

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 Record	2 Individual Names on File
Mailing Address	4401 PINE LAKE DR, SAINT CLOUD, FL 34769-1621
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 01, 2017 · Amount on Record
Deed Sale	Sep 01, 2017 · Amount on Record
Deed Document Number	2017127285
Deed Book / Page	5204 / 1488
Record Updated	Jun 08, 2026

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 01, 2017
Property Address	4401 PINE LAKE DR, SAINT CLOUD, FL 34769-1621
Document Number	0052041488
Book / Page	005204 / 001488
Instrument Date	Aug 30, 2017
Instrument	127285
Transaction Type	Transfer
Record Updated	Oct 05, 2017
Title Company	A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
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	4401 PINE LAKE DR ST CLOUD FL 347691621, ST CLOUD, FL 34769-1621

Mortgage

Document Number	52041490
Date	Sep 01, 2017
Book Page	005204/001490
Instrument	127286

Lender

Name	COLUMBUS CAP LNDG
Type	Funding / Finance Company
Address	MIAMI, FL 33173

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 31, 2047

Tax Assessment & Valuation

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

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	$4,389.00 (+6.12%) Homeowner's exemption	$288,094 (+5.99%)	$447,400 (-4.3%) Land $65,000 Building $382,400
2023	$4,136.00 (+3.5%) Homeowner's exemption	$271,821 (+3%)	$467,500 (+15.86%) Land $60,000 Building $407,500
2022	$3,996.00 Homeowner's exemption	$263,904	$403,500 Land $55,000 Building $348,500

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 Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft

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; lenders make the official flood determination.