Osceola County property record for 4506 Mesa Verde Dr, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,369 sqft · built 1979 |
| Lot Size | 0.171 acres (7,492 sqft) |
| Owner | Individual Name on File |
| Last Sale | $216,100 (Dec 2018) |
| Tax Bill | $4,398 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Dec 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 82587 |
| Primary APN | 82587 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,369 sqft Heated Area |
| Gross Area | 2,157 sqft |
| 1st Floor Area | 1,209 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,492 sqft (0.171 acres) |
| Lot Dimensions | 100 ft deep x 75 ft wide |
| Garage Type | Finished |
| Garage Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 448 sqft |
| Patio Area | 24 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 82587 |
|---|---|
| Street Address | 4506 MESA VERDE DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-1622 |
| 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 21 09-26-30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | PINE LAKE ESTATE |
| Legal Tract | 904 |
| Legal Block | 1 |
| Legal Lot Number | 9,21 9 |
| Legal Unit | 3P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 43208 |
Source: Osceola County records · APN 82587
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 | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 4506 MESA VERDE DR, SAINT CLOUD, FL 34769-1622 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 10, 2021 | Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE |
| Dec 10, 2018 | Warranty Deed, Transfer · FHA Mortgage CITYWORTH MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 10, 2018 · Amount on Record |
| Deed Sale | Dec 10, 2018 · Amount on Record |
| Prior Sale | May 15, 2013 · Amount on Record |
| Deed Document Number | 2018180316 |
| Deed Book / Page | 5446 / 1792 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4506 MESA VERDE DR, SAINT CLOUD, FL 34769-1622 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2021 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 4506 MESA VERDE DR, SAINT CLOUD, FL 34769-1622 |
| Document Number | 0059541576 |
|---|---|
| Date | May 10, 2021 |
| Book Page | 5954/1576 |
| Instrument | 2021071488 |
| Name | MIDLAND MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 332 Months |
| Due | Jan 01, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 10, 2018 |
| Property Address | 4506 MESA VERDE DR, SAINT CLOUD, FL 34769-1622 |
| Document Number | 0054461792 |
| Book / Page | 5446 / 1792 |
| Map Reference | MB 2 PG 96 |
| Instrument Date | Dec 07, 2018 |
| Instrument | 2018180316 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | STEWART TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,512.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3240 FENLAND PARKWAY #8484, 3240, ANCHORAGE, AK 99508 |
| Name | Verified Name |
|---|---|
| Address | 4506 MESA VERDE DR, SAINT CLOUD, FL 34769-1622 |
| Document Number | 2018180317 |
|---|---|
| Date | Dec 10, 2018 |
| Instrument | 2018180317 |
| Name | CITYWORTH MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2049 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $4,398.00 (-4.29%) Homeowner's exemption | $288,600 (-4.34%) Land $53,300 Building $235,300 | $288,600 (-4.34%) Land $53,300 Building $235,300 |
| 2023 | $4,595.00 (+12.07%) | $301,700 (+16.22%) Land $49,200 Building $252,500 | $301,700 (+16.22%) Land $49,200 Building $252,500 |
| 2022 | $4,100.00 | $259,600 Land $45,100 Building $214,500 | $259,600 Land $45,100 Building $214,500 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| 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 |
| 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 |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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.
Based on FCC filings for 350 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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