4413 Mesa Verde Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4413 Mesa Verde Dr, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,602 sqft · built 1979
Lot Size	0.192 acres (8,363 sqft)
Owner	Individual Name on File
Last Sale	$253,000 (Jun 2020)
Tax Bill	$4,473 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Dec 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-26-30-0904-0001-0300`

Property Details

APN / Parcel Number

Primary APN	`04-26-30-0904-0001-0300`
Alternative APNs	`263004090400010300` `82596`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,602 sqft Living Area
Gross Area	2,488 sqft
1st Floor Area	1,602 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2002
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,363 sqft (0.192 acres)
Lot Dimensions	100 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	366 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4413 MESA VERDE DR
City	SAINT CLOUD
State	FL
Zip	34769-1623
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	PINE LAKE ESTATES UNIT 3 PB 2 PGS 96-97 LOT 30 09-26-30
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PINE LAKE ESTATES UNIT 3
Legal Tract	904
Legal Block	300
Legal Lot Number	30
Legal Unit	3P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3018
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	Individual Name on File
Mailing Address	4412 MESA VERDE DR, SAINT CLOUD, FL 34769-1603
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2021	Deed of Trust, Mortgage · FHA Mortgage MY MORTGAGE INC
Dec 19, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jun 18, 2020	Warranty Deed, Transfer · Conventional Mortgage ACC MORTGAGE INC
Aug 8, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 18, 2020 · Amount on Record
Deed Sale	Jun 18, 2020 · Amount on Record
Deed Document Number	202078078
Deed Book / Page	5739 / 1813
Prior Transfer Date	Aug 7, 2017
Prior Transfer Doc	0051910833
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4413 MESA VERDE DR, SAINT CLOUD, FL 34769-1623
Transaction Type	Mortgage
Record Updated	Jul 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4413 MOSS VENTE DR, SAINT CLOUD, FL 34769

Mortgage

Document Number	0059930434
Date	Jun 30, 2021
Book Page	5993/434
Instrument	2021102595

Lender

Name	MY MORTGAGE INC
Type	Mortgage Company
Address	CROFTON, MD 21114

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4413 MESA VERDE DR, SAINT CLOUD, FL 34769-1623
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054520506
Date	Dec 19, 2018
Book Page	5452/0506
Instrument	2018185561

Lender

Name	US BANK NA
Type	Bank
Address	OSHKOSH, WI 54902

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 30, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 18, 2020
Property Address	4413 MESA VERDE DR, SAINT CLOUD, FL 34769-1623
Document Number	0057391813
Book / Page	5739 / 1813
Map Reference	MB 2 PG 96&97
Instrument Date	Jun 17, 2020
Instrument	2020078078
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,771.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3914 OAK POINTE DR, 3914, LADY LAKE, FL 32159-3942

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4413 MESA VERDE DR, SAINT CLOUD, FL 34769-1623

Mortgage

Document Number	57391814
Date	Jun 18, 2020
Instrument	5739/1814

Lender

Name	ACC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 8, 2017
Property Address	4413 MESA VERDE DR, SAINT CLOUD, FL 34769-1623
Document Number	0051910833
Book / Page	005191 / 000833
Instrument Date	Aug 7, 2017
Instrument	114333
Transaction Type	Transfer
Record Updated	Sep 25, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4413 MESA VERDE DR ST CLOUD FL 347691623, ST CLOUD, FL 34769-1623

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	$4,473.00 (-6.52%) Homeowner's exemption	$292,800 (-4%) Land $53,300 Building $239,500	$292,800 (-4%) Land $53,300 Building $239,500
2024	$4,785.00 (+1.08%)
2023	$4,734.00 (+13.63%) Homeowner's exemption	$305,000 (+16.15%) Land $49,200 Building $255,800	$305,000 (+16.15%) Land $49,200 Building $255,800
2022	$4,166.00	$262,600 Land $45,100 Building $217,500	$262,600 Land $45,100 Building $217,500

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 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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 350 locations within half a mile, as of December 31, 2025

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

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

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