4509 Pine Lake Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4509 Pine Lake Dr, Saint Cloud, FL 34769 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,117 sqft · built 1973
Lot Size	0.287 acres (12,502 sqft)
Owner	2 Individual Names on File
Last Sale	$241,500 (Nov 2019)
Tax Bill	$3,577 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`82549`

Property Details

APN / Parcel Number

Primary APN	`82549`
Alternative APN	`042630090200010360`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,117 sqft Heated Area
Gross Area	3,232 sqft
1st Floor Area	2,117 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1993
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,502 sqft (0.287 acres)
Lot Dimensions	125 ft deep x 100 ft wide
Garage Type	Finished
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	586 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	82549
Street Address	4509 PINE LAKE DR
City	SAINT CLOUD
State	FL
Zip	34769-1617
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINE LAKE ESTATE UNIT 2 PB 2 PGS 92-95 LOT 36 09-26-30
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PINE LAKE ESTATE
Legal Tract	902
Legal Block	1
Legal Lot Number	9,36 9
Legal Unit	2P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3014
Census Tract	43208

Owner

Source: Osceola County records · APN 82549

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	4509 PINE LAKE DR, SAINT CLOUD, FL 34769-1617
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2022	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Apr 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW LOAN SERVICING LLC
Nov 01, 2019	Warranty Deed, Transfer · FHA Mortgage MORTGAGE FIRM

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 01, 2019 · Amount on Record
Deed Sale	Nov 01, 2019 · Amount on Record
Prior Sale	May 10, 2016 · Amount on Record
Deed Document Number	0056161782
Deed Book / Page	5616 / 1782
Record Updated	Jun 08, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4509 PINE LAKE DR, SAINT CLOUD, FL 34769-1617
Transaction Type	Mortgage
Record Updated	Aug 01, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4509 PINE LAKE DR, SAINT CLOUD, FL 34769-1617

Mortgage

Document Number	0062410714
Date	Jun 28, 2022
Book Page	6241/714
Instrument	2022100306

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 10, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4509 PINE LAKE DR, SAINT CLOUD, FL 34769-1617
Transaction Type	Mortgage
Record Updated	Aug 01, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4509 PINE LAKE DR, SAINT CLOUD, FL 34769-1617

Mortgage

Document Number	0061952537
Date	Apr 19, 2022
Book Page	6195/2537
Instrument	2022060742

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2052

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 01, 2019
Property Address	4509 PINE LAKE DR, SAINT CLOUD, FL 34769-1617
Document Number	0056161782
Book / Page	005616 / 001782
Instrument Date	Nov 01, 2019
Instrument	142167
Transaction Type	Transfer
Record Updated	Nov 14, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,690.50
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	4509 PINE LAKE DR ST CLOUD FL 347691617, ST CLOUD, FL 34769-1617

Mortgage

Document Number	56161783
Date	Nov 01, 2019
Book Page	005616/001783
Instrument	142168

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 31, 2049

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	$3,577.00 (+6.3%) Homeowner's exemption	$242,736 (+5.99%)	$353,900 (-4.04%) Land $65,000 Building $288,900
2023	$3,365.00 (+3.6%) Homeowner's exemption	$229,026 (+3%)	$368,800 (+16.08%) Land $60,000 Building $308,800
2022	$3,248.00 Homeowner's exemption	$222,356	$317,700 Land $55,000 Building $262,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432083, refreshed September 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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 25 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	25 in force

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 350 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Lumen Technologies	DSL	140 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA, Verizon, Lumen Technologies, Hotwire Communications, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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