4515 Pine Lake Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4515 Pine Lake Dr, Saint Cloud, FL 34769 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,556 sqft · built 1974
Lot Size	0.287 acres (12,502 sqft)
Owner	Individual Name on File
Last Sale	$500,000 (Jul 2022)
Tax Bill	$6,112 (2025)
Deeds & Mortgages	Jul 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`82550`

Property Details

APN / Parcel Number

Primary APN	`82550`
Alternative APN	`042630090200010370`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,556 sqft Heated Area
Gross Area	3,582 sqft
1st Floor Area	1,404 sqft
Upper Floors Area	1,152 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Exterior Material	Fiber Cement Siding
Construction Type	Frame
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	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Finished/Screened Porch
Porch Area	546 sqft
Deck Area	826 sqft
Fence	Fence
Shed	1 Shed
Shed Area	49 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	82550
Street Address	4515 PINE LAKE DR
City	SAINT CLOUD
State	FL
Zip	34769-1617
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINE LAKE ESTATES UNIT 2 PB 2 PGS 92-95 LOT 37 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	9,37 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 82550

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	4515 PINE LAKE DR, SAINT CLOUD, FL 34769-1617
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 19, 2022 · Amount on Record
Deed Sale	Jul 19, 2022 · Amount on Record
Deed Document Number	0062531395
Deed Book / Page	6253 / 1395
Record Updated	Jun 08, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 19, 2022
Property Address	4515 PINE LAKE DR, SAINT CLOUD, FL 34769-1617
Document Number	0062531395
Book / Page	6253 / 1395
Map Reference	MB 2 PG 92-95
Instrument Date	Jul 19, 2022
Instrument	2022110535
Transaction Type	Transfer
Record Updated	Aug 05, 2022
Title Company	MAGNOLIA TITLE

Transaction

Amount	Amount Recorded
Tax	$3,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1503 SUNSET POINTE PL, 1503, KISSIMMEE, FL 34744-4837

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4515 PINE LAKE DR, SAINT CLOUD, FL 34769-1617

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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,112.00 (-3.63%) Homeowner's exemption	$384,400 (-2.51%) Land $65,000 Building $319,400	$384,400 (-2.51%) Land $65,000 Building $319,400
2023	$6,342.00 (+287.18%) Homeowner's exemption	$394,300 (+196.32%) Land $60,000 Building $334,300	$394,300 (+16.18%) Land $60,000 Building $334,300
2022	$1,638.00 Homeowner's exemption	$133,067	$339,400 Land $55,000 Building $284,400

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.