Osceola County property record for 4518 Mesa Verde Dr, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,582 sqft · built 1979 |
| Lot Size | 0.171 acres (7,492 sqft) |
| Owner | Individual Name on File |
| Last Sale | $293,000 (Oct 2021) |
| Tax Bill | $5,089 (2025) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage May 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 82585 |
| Primary APN | 82585 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,582 sqft Heated Area |
| Gross Area | 2,346 sqft |
| 1st Floor Area | 1,402 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1999 |
| 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 | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 424 sqft |
| Patio Area | 81 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 82585 |
|---|---|
| Street Address | 4518 MESA VERDE DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-1622 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PINE LAKE ESTATES UNIT 3 PB 2 PGS 96-97 LOT 19 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 | 9,19 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 82585
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 |
|---|---|
| Mailing Address | 4518 MESA VERDE DR, SAINT CLOUD, FL 34769-1622 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 21, 2021 | Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC |
| May 26, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Jan 15, 2020 | Deed of Trust, Mortgage · FHA Mortgage MR COOPER |
| Jun 20, 2017 | Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 21, 2021 · Amount on Record |
| Deed Sale | Oct 21, 2021 · Amount on Record |
| Prior Sale | Jun 20, 2017 · Amount on Record |
| Deed Document Number | 2021164662 |
| Deed Book / Page | 6070 / 2219 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 21, 2021 |
| Property Address | 4518 MESA VERDE DR, SAINT CLOUD, FL 34769-1622 |
| Document Number | 0060702219 |
| Book / Page | 6070 / 2219 |
| Map Reference | MB 2 PG 96&97 |
| Instrument Date | Oct 08, 2021 |
| Instrument | 2021164662 |
| Transaction Type | Transfer |
| Record Updated | Nov 09, 2021 |
| Title Company | UNIK TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,051.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2500 E ANDERSON ST, 2500, ORLANDO, FL 32803-6650 |
| Name | Verified Name |
|---|---|
| Address | 4518 MESA VERDE DR, SAINT CLOUD, FL 34769-1622 |
| Document Number | 60702221 |
|---|---|
| Date | Oct 21, 2021 |
| Instrument | 6070/2221 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4518 MESA VERDE DR, SAINT CLOUD, FL 34769-1622 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4518 MESA VERDE DR, SAINT CLOUD, FL 34769-1622 |
| Document Number | 0059662046 |
|---|---|
| Date | May 26, 2021 |
| Book Page | 5966/2046 |
| Instrument | 2021081516 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 345 Months |
| Due | Feb 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4518 MESA VERDE DR, SAINT CLOUD, FL 34769-1622 |
| Document Number | 0056610542 |
| Instrument Date | Jan 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 4518 MESA VERDE DR ST CLOUD FL 347691622, ST CLOUD, FL 34769-1622 |
| Document Number | 0056610542 |
|---|---|
| Date | Jan 21, 2020 |
| Book Page | 005661/000542 |
| Instrument | 10163 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 20, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 20, 2017 |
| Property Address | 4518 MESA VERDE DR, SAINT CLOUD, FL 34769-1622 |
| Document Number | 0051661682 |
| Book / Page | 5166 / 1682 |
| Map Reference | MB2 PG96&97 |
| Instrument Date | Jun 16, 2017 |
| Instrument | 2017089432 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | QUALITY TITLE & ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,330.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1101 INDIANA AVE, 1101, SAINT CLOUD, FL 34769-3757 |
| Name | Verified Name |
|---|---|
| Address | 4484 CONCORD LANDING DR APT 301, 301, ORLANDO, FL 32839-6105 |
| Document Number | 0051661684 |
|---|---|
| Date | Jun 20, 2017 |
| Instrument | 5166/1684 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2047 |
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 | $5,089.00 (-0.93%) | $284,100 (-3.96%) Land $53,300 Building $230,800 | $284,100 (-3.96%) Land $53,300 Building $230,800 |
| 2023 | $5,137.00 (+11.8%) | $295,800 (+16.09%) Land $49,200 Building $246,600 | $295,800 (+16.09%) Land $49,200 Building $246,600 |
| 2022 | $4,595.00 | $254,800 Land $45,100 Building $209,700 | $254,800 Land $45,100 Building $209,700 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| 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 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.
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.
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