4522 Pine Lake Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4522 Pine Lake Dr, Saint Cloud, FL 34769 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2 Baths
Year Built	Built 1983
Square Footage	2,394 sqft Living Area
Lot Size	11,935 sqft (0.274 acres)
Garage	Attached, 552 sqft
Occupancy	Owner Occupied
Tax Bill	$6,354.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`04-26-30-0902-0001-0200`
Alternative APNs	`263004090200010200` `82533`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	2,394 sqft Living Area
Gross Area	2,971 sqft Gross Area
1st Floor Area	1,926 sqft 1st Floor
Stories	1 Story
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace
Fireplaces	1 Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,935 sqft (0.274 acres)
Lot Dimensions	124 ft deep x 103 ft wide
Parking Spaces	2 Parking Spaces
Garage Type	Attached
Garage Area	552 sqft Garage
Porch	Florida Room
Porch Area	493 sqft Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4522 PINE LAKE DR
City	SAINT CLOUD
State	FL
Zip	34769-1618
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINE LAKE ESTATES UNIT 2 PB 2 PG 92-95 LOT 20 LESS COM AT SW COR LOT 20, N 04 DEG W 34 FT TO POB, N 71 DEG E 15.2 FT, N 14 DEG W 85.46 FT, S 04 DEG E 88.12 FT TO POB & LESS CO AT SE COR OF LOT 20, W 85 FT TO POB & POC, CURVE LEFT, RAD 368.93 FT, CENT
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PINE LAKE ESTATES UNIT 2
Legal Tract	902
Legal Block	200
Legal Lot Number	20
Legal Unit	2P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1031
Census Tract	43208

Owner

Source: Osceola County records · APN 04-26-30-0902-0001-0200

Assessment roll updated November 26, 2025 · Last verified April 2026

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	4522 PINE LAKE DR, SAINT CLOUD, FL 34769-1618
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Apr 23, 2019
Transfer Doc	0055162387
Record Updated	Jun 08, 2026

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 01, 2019
Property Address	4522 PINE LAKE DR, SAINT CLOUD, FL 34769-1618
Document Number	0055162387
Book / Page	005516 / 002387
Instrument Date	Apr 23, 2019
Instrument	55506
Transaction Type	Transfer
Record Updated	May 15, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4522 PINE LAKE DR ST CLOUD FL 347691618, ST CLOUD, FL 34769-1618

Mortgage

Document Number	55162388
Date	May 01, 2019
Book Page	005516/002388
Instrument	55507

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 30, 2034

Tax Assessment & Valuation

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

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	$6,053.00 (-4.74%)	$338,000 (+184.2%) Land $65,000 Building $273,000	$338,000 (-3.07%) Land $65,000 Building $273,000
2024	$6,354.00 (+359.77%)
2023	$1,382.00 (+4.62%) Homeowner's exemption	$118,929 (+3%)	$348,700 (+16.43%) Land $60,000 Building $288,700
2022	$1,321.00 Homeowner's exemption	$115,466	$299,500 Land $55,000 Building $244,500

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 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

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.