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4527 Pine Lake Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4527 Pine Lake Dr, Saint Cloud, FL 34769 · Last verified June 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bathrooms2 Baths
Year BuiltBuilt 1973
Square Footage1,882 sqft Living Area
Lot Size12,501 sqft (0.287 acres)
GarageAttached, 460 sqft
OccupancyOwner Occupied
Last Sale$419,000 (2024)
Tax Bill$4,738.00 (2025)

Property Details

APN / Parcel Number

Primary APN04-26-30-0902-0001-0390
Alternative APNs
  • 263004090200010390
  • 82552

Interior

Full Baths2 Baths
Building Area1,882 sqft Living Area
Gross Area2,402 sqft Gross Area
1st Floor1,522 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1973
Effective Year BuiltEffective 1973
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area12,501 sqft (0.287 acres)
Depth X Width125 ft x 100 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area460 sqft Garage

Exterior Amenities

Pool TypeIn-Ground Pool Pool Type
Pool Area450 sqft Pool
Shed1 Shed
Shed Area120 sqft Shed
Deck Area424 sqft Deck
Porch Area420 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address4527 PINE LAKE DR
CitySAINT CLOUD
StateFL
Zip34769-1617
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionPINE LAKE ESTATES UNIT 2 PB 2 PGS 92-95 LOT 39 09-26-30
Legal Range30E
Legal Township26S
Legal Section04
Legal SubdivisionPINE LAKE ESTATES UNIT 2
Legal Tract902
Legal Block390
Legal Lot Number39
Legal Unit2P
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup3
Census Block3014
Census Tract43208

Owner

Source: Osceola County records · APN 04-26-30-0902-0001-0390

Assessment roll updated November 26, 2025 · Last verified June 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 Address4527 PINE LAKE DR, SAINT CLOUD, FL 34769-1617
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Sep 07, 2023Warranty Deed, Transfer · Veterans Administration Mortgage
MORTGAGE RESEARCH CENTER LLC
Sep 20, 2022Deed of Trust, Mortgage · Conventional Mortgage
ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 04, 2024 · Amount on Record
Deed SaleOct 04, 2024 · Amount on Record
Prior SaleSep 07, 2023 · Amount on Record
Deed Doc Number2024126826
Deed Book / Page6674 / 1701
Record RefreshedSep 20, 2026

September 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 07, 2023
Property Address4527 PINE LAKE DR, SAINT CLOUD, FL 34769-1617
Document Number0064701462
Book / Page6470 / 1462
Map ReferenceMB 2 PG 92-95
Instrument DateAug 17, 2023
Instrument2023117863
Transaction TypeTransfer
Record UpdatedSep 28, 2023
Title CompanyPUBLIC TITLE SERVICES LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,513.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address373 COUNTY LINE RD, REIDSVILLE, NC 27320-1602

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenant By Entirety
Address4527 PINE LAKE DR, SAINT CLOUD, FL 34769-1617

Mortgage

Document Number0064701464
DateSep 07, 2023
Instrument6470/1464
Lender
NameMORTGAGE RESEARCH CENTER LLC
TypeMortgage Company
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueSep 01, 2053

September 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4527 PINE LAKE DR, SAINT CLOUD, FL 34769-1617
Transaction TypeMortgage
Record UpdatedSep 30, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0062882731
DateSep 20, 2022
Book Page6288/2731
Instrument2022142500
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$4,738.00 (+310.57%)$307,600 (+189.54%) Land $65,000 Building $242,600$307,600 (-2.29%) Land $65,000 Building $242,600
2023$1,154.00 (+5%) Homeowner's exemption$106,238 (+3%)$314,800 (+16.03%) Land $60,000 Building $254,800
2022$1,099.00 Homeowner's exemption$103,144$271,300 Land $55,000 Building $216,300

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 RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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

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