Osceola County property record for 4521 Pine Lake Dr, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2 Baths |
| Year Built | Built 1973 |
| Square Footage | 1,512 sqft Heated Area |
| Lot Size | 12,502 sqft (0.287 acres) |
| Garage | Finished, 483 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $340,000 (2024) |
| Tax Bill | $4,337.00 (2025) |
| Primary APN | 82551 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,512 sqft Heated Area |
| Gross Area | 2,284 sqft Gross Area |
| 1st Floor | 1,512 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1973 |
|---|---|
| Exterior Material | Combination Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 12,502 sqft (0.287 acres) |
| Depth X Width | 125 ft x 100 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 483 sqft Garage |
| Fence | Fence |
| Porch | Open Porch |
| Porch Area | 289 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 82551 |
|---|---|
| Street Address | 4521 PINE LAKE DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-1617 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PINE LAKE ESTATES UNIT 2 PB 2 PGS 92-95 LOT 38 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 | 9,38 9 |
| Legal Unit | 2P |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 3 |
| Census Block | 3014 |
| Census Tract | 43208 |
Source: Osceola County records · APN 82551
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 | 4521 PINE LAKE DR, SAINT CLOUD, FL 34769-1617 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 17, 2025 | Deed of Trust, Mortgage · Veterans Administration Mortgage FREEDOM MORTGAGE CORP |
| Apr 28, 2022 | Warranty Deed, Transfer · Conventional Mortgage FAIRWINDS CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 29, 2024 · Amount on Record |
| Deed Sale | Oct 29, 2024 · Amount on Record |
| Prior Sale | Apr 28, 2022 · Amount on Record |
| Deed Doc Number | 2024137723 |
| Deed Book / Page | 6686 / 2972 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4521 PINE LAKE DR, SAINT CLOUD, FL 34769-1617 |
| Transaction Type | Mortgage |
| Record Updated | Nov 05, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4521 PINE LAKE DR, SAINT CLOUD, FL 34769-1617 |
| Document Number | 0068500938 |
|---|---|
| Date | Sep 17, 2025 |
| Book Page | 6850/938 |
| Instrument | 2025115129 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 28, 2022 |
| Property Address | 4521 PINE LAKE DR, SAINT CLOUD, FL 34769-1617 |
| Document Number | 0062030206 |
| Book / Page | 6203 / 206 |
| Map Reference | MB 2 PG 92 |
| Instrument Date | Apr 26, 2022 |
| Instrument | 2022067189 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Title Company | MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,205.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5803 SWEETGUM ST, 5803, SAINT CLOUD, FL 34772-8650 |
| Name | Verified Name |
|---|---|
| Address | 4521 PINE LAKE DR, SAINT CLOUD, FL 34769-1617 |
| Document Number | 0006203207 |
|---|---|
| Date | Apr 28, 2022 |
| Instrument | 6203/207 |
| Name | FAIRWINDS CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2052 |
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 | $4,337.00 (+15.25%) Homeowner's exemption | $285,200 (+13.57%) Land $65,000 Building $220,200 | $285,200 (-2.56%) Land $65,000 Building $220,200 |
| 2023 | $3,763.00 (-0.5%) Homeowner's exemption | $251,131 (-0.11%) | $292,700 (+16.43%) Land $60,000 Building $232,700 |
| 2022 | $3,782.00 | $251,400 Land $55,000 Building $196,400 | $251,400 Land $55,000 Building $196,400 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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; lenders make the official flood determination.
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