1. Home
  2. Florida
  3. Osceola County
  4. Saint Cloud
  5. Pine Tree Dr

4540 Pine Tree Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4540 Pine Tree Dr, Saint Cloud, FL 34772 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1992
Square Footage2,124 sqft Living Area
Lot Size96,833 sqft (2.22 acres)
OccupancyOwner Occupied
Last Sale$583,000 (2026)
Tax Bill$2,641.00 (2025)

Property Details

APN / Parcel Number

Primary APN30-26-31-5080-0001-0720
Alternative APNs
  • 263130508000010720
  • 98350

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures1 Plumbing Fixtures
Building Area2,124 sqft Living Area
Gross Area2,988 sqft Gross Area
1st Floor2,124 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1992
Effective Year BuiltEffective 1992
Exterior MaterialConcrete Block Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialMetal Roof
Lot Area96,833 sqft (2.22 acres)
Parking Spaces5 Parking Spaces
Garage TypeAttached Garage
Garage Area504 sqft Garage
Porch Area360 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address4540 PINE TREE DR
CitySAINT CLOUD
StateFL
Zip34772-8000
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionST CLOUD MANOR EST UN 2 PB 1 PG 363 LOT 72 LESS W 319 FT
Legal Range31E
Legal Township26S
Legal Section30
Legal SubdivisionST CLOUD MANOR ESTATES UNIT 2
Legal Tract5080
Legal Block720
Legal Lot Number72
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1026
Census Tract43304

Owner

Source: Osceola County records · APN 30-26-31-5080-0001-0720

Assessment roll updated November 26, 2025 · Last verified July 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 Address4540 PINE TREE DR, SAINT CLOUD, FL 34772-8000
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingMarried Man as his Sole and Separate Property

Deeds, Mortgages & Sale History

DateDocument
Apr 01, 2026Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
NONE LISTED ON DOCUMENT
Apr 01, 2026Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
NONE LISTED ON DOCUMENT
Apr 28, 2020Warranty Deed, Transfer · Conventional Mortgage
SECURITY NATIONAL MORTGAGE CO

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 01, 2026 · Amount on Record
Deed SaleApr 01, 2026 · Amount on Record
Prior SaleApr 28, 2020 · Amount on Record
Deed Doc Number202643657
Deed Book / Page6948 / 25
Record RefreshedSep 20, 2026

April 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 01, 2026
Property Address4540 PINE TREE DR, SAINT CLOUD, FL 34772-8000
Document Number0069480025
Book / Page6948 / 25
Instrument DateMar 30, 2026
Instrument202643657
Transaction TypeTransfer
Record UpdatedJul 02, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$412,181.00
Amount AccuracyCalculated from Tax (Full/Partial Unknown)
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4540 PINE TREE DR, SAINT CLOUD, FL 34772-8000

Mortgage

Document Number0000043658,
DateApr 01, 2026
Instrument202643658
Lender
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2056
Interest
Rate6.37%
Max Rate-1%

April 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 01, 2026
Property Address4540 PINE TREE DR, SAINT CLOUD, FL 34772-8000
Document Number0000043657
Book / Page6948 / 25
Instrument DateMar 30, 2026
Instrument202643657
Transaction TypeTransfer
Record UpdatedApr 16, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$412,181.00
Amount AccuracyCalculated from Tax (Full/Partial Unknown)
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4540 PINE TREE DR, SAINT CLOUD, FL 34772-8000

Mortgage

Document Number0000043658,
DateApr 01, 2026
Instrument202643658
Lender
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2056
Interest
Rate6.01%
Max Rate-1%

April 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 28, 2020
Property Address4540 PINE TREE DR, SAINT CLOUD, FL 34772-8000
Document Number0057141943
Book / Page5714 / 1943
Map ReferenceMB 1 PG 365
Instrument DateApr 24, 2020
Instrument2020057582
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanySTEWART TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,275.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address6287 ARLINGTON CT, 6287, ORLANDO, FL 32807-4271

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address4540 PINE TREE DR, SAINT CLOUD, FL 34772-8000

Mortgage

Document Number0057141944
DateApr 28, 2020
Instrument5714/1944
Lender
NameSECURITY NATIONAL MORTGAGE CO
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
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$2,641.00 (+6.19%) Homeowner's exemption Veteran's exemption$185,045 (+5.99%)$405,800 (+3.57%) Land $112,300 Building $293,500
2024$2,487.00 (+2.39%)
2023$2,429.00 (+5.29%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$174,593 (+3%)$391,800 (+19.2%) Land $111,200 Building $280,600
2022$2,307.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption$169,508$328,700 Land $88,900 Building $239,800

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
Nearest Special Flood Hazard AreaZone A, within 500 ft

Wildfire

Wildfire RiskModerate
above 57% of the US · above 28% of Florida
Wildfire LikelihoodAbout 1 in 543 per year
ExposureDirect
burnable vegetation at the parcel

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

Nearby Properties on Pine Tree Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures