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4510 Pine Tree Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4510 Pine Tree Dr, Saint Cloud, FL 34772 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bathrooms2 Baths
Year BuiltBuilt 1992
Square Footage2,336 sqft Living Area
Lot Size96,790 sqft (2.22 acres)
GarageAttached, 484 sqft
OccupancyOwner Occupied
Last Sale$505,000 (2026)
Tax Bill$5,868.00 (2024)

Property Details

APN / Parcel Number

Primary APN30-26-31-5080-0001-0725
Alternative APNs
  • 263130508000010725
  • 98351

Interior

Full Baths2 Baths
Building Area2,336 sqft Living Area
Gross Area2,955 sqft Gross Area
1st Floor2,336 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1992
Effective Year BuiltEffective 1992
Exterior MaterialConcrete Block Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area96,790 sqft (2.22 acres)
Parking Spaces6 Parking Spaces
Garage TypeAttached Garage
Garage Area484 sqft Garage

Exterior Amenities

Shed1 Shed
Shed Area96 sqft Shed
Patio Area390 sqft Patio
Porch Area135 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address4510 PINE TREE DR
CitySAINT CLOUD
StateFL
Zip34772-8000
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionST CLOUD MANOR EST UN 2 PB 1 PG 363 THE W 319 FT OF LOT 72
Legal Range31E
Legal Township26S
Legal Section30
Legal SubdivisionST CLOUD MANOR ESTATES UNIT 2
Legal Tract5080
Legal Block725
Legal Lot Number72
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1026
Census Tract43304

Owner

Source: Osceola County records · APN 30-26-31-5080-0001-0725

Assessment roll updated November 26, 2025 · Last verified August 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 File
Mailing Address4510 PINE TREE DR, SAINT CLOUD, FL 34772-8000
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Jan 28, 2026Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
LOCAL BANK
Feb 14, 2022Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
Sep 01, 2017Deed of Trust, Mortgage · Line of Credit
CENTRAL FLORIDA EDUCATORS FCU

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 28, 2026 · Amount on Record
Deed SaleJan 28, 2026 · Amount on Record
Deed Doc Number202612211
Deed Book / Page6914 / 611
Prior Transfer DateFeb 04, 2022
Prior Transfer Doc0061492002
Record RefreshedSep 20, 2026

January 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 28, 2026
Property Address4510 PINE TREE DR, SAINT CLOUD, FL 34772-8000
Document Number0069140611
Book / Page6914 / 611
Map ReferenceMB 1 PG 365
Instrument DateJan 26, 2026
Instrument2026012211
Transaction TypeTransfer
Record UpdatedFeb 10, 2026
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,535.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address1860 SAHA CT, KISSIMMEE, FL 34744-6648

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address4510 PINE TREE DR, SAINT CLOUD, FL 34772-8000

Mortgage

Document Number0006914613
DateJan 28, 2026
Instrument6914/613
Lender
NameLOCAL BANK
TypeBank
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2056

February 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateFeb 14, 2022
Property Address4510 PINE TREE DR, SAINT CLOUD, FL 34772-8000
Document Number0061492002
Book / Page6149 / 2002
Map ReferenceMB 1 PG 365
Instrument DateFeb 09, 2022
Instrument2022024081
Transaction TypeTransfer
Record UpdatedMar 03, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address1860 SAHA CT, KISSIMMEE, FL 34744-6648

September 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4510 PINE TREE DR, SAINT CLOUD, FL 34772-8000
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyMORTGAGE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0052040443
DateSep 01, 2017
Book Page5204/0443
Instrument2017126996
Lender
NameCENTRAL FLORIDA EDUCATORS FCU
TypeCredit Union
AddressLAKE MARY, FL 32746
Agreement
TypeLine of Credit
AmountAmount Recorded
Term420 Months
DueAug 31, 2052
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$6,098.00 (+3.92%)$388,700 (+3.87%) Land $112,200 Building $276,500$388,700 (+3.87%) Land $112,200 Building $276,500
2024$5,868.00 (+4.77%)
2023$5,601.00 (+12.88%)$374,200 (+19.25%) Land $111,100 Building $263,100$374,200 (+19.25%) Land $111,100 Building $263,100
2022$4,962.00$313,800 Land $88,900 Building $224,900$313,800 Land $88,900 Building $224,900

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskModerate
above 57% of the US · above 28% of Florida
Wildfire LikelihoodAbout 1 in 543 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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