4543 Mesa Verde Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4543 Mesa Verde Dr, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,016 sqft · built 1978
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$389,000 (Apr 2023)
Tax Bill	$5,218 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`82608`

Property Details

APN / Parcel Number

Primary APN	`82608`
Alternative APN	`042630090400010420`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,016 sqft Heated Area
Gross Area	2,571 sqft
1st Floor Area	1,632 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1998
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	100 ft deep x 92 ft wide
Garage Type	Finished
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Enclosed Porch
Porch Area	414 sqft
Deck Area	56 sqft
Patio Area	210 sqft
Fence	Fence
Shed	1 Shed
Shed Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	82608
Street Address	4543 MESA VERDE DR
City	SAINT CLOUD
State	FL
Zip	34769-1624
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	PINE LAKE ESTATES UNIT 3 PB 2 PGS 96-97 LOT 42 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	9,42 9
Legal Unit	3P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3018
Census Tract	43208

Owner

Source: Osceola County assessment roll, as of July 1, 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	4543 MESA VERDE DR, SAINT CLOUD, FL 34769-1624
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2023	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Sep 11, 2019	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 24, 2023 · Amount on Record
Deed Sale	Apr 24, 2023 · Amount on Record
Prior Sale	Sep 11, 2019 · Amount on Record
Deed Document Number	2023048581
Deed Book / Page	6393 / 325
Record Updated	Jun 8, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 24, 2023
Property Address	4543 MESA VERDE DR, SAINT CLOUD, FL 34769-1624
Document Number	0063930325
Book / Page	6393 / 325
Map Reference	MB 2 PG 96
Instrument Date	Apr 12, 2023
Instrument	2023048581
Transaction Type	Transfer
Record Updated	May 10, 2023
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,723.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	743 W CUMMINGS ST, LAKE ALFRED, FL 33850-3236

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4543 MESA VERDE DR, SAINT CLOUD, FL 34769-1624

Mortgage

Document Number	0006393327
Date	Apr 24, 2023
Instrument	6393/327

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 11, 2019
Property Address	4543 MESA VERDE DR, SAINT CLOUD, FL 34769-1624
Document Number	0055871908
Book / Page	5587 / 1908
Map Reference	MB 2 PG 96
Instrument Date	Sep 11, 2019
Instrument	2019117220
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,785.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4211 BACHELOR CREEK RD, 4211, ASHEBORO, NC 27205-2144

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4543 MESA VERDE DR, SAINT CLOUD, FL 34769-1624

Mortgage

Document Number	0055871909
Date	Sep 11, 2019
Instrument	5587/1909

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2039

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,218.00 (+424.95%) Homeowner's exemption	$334,400 (+243.56%) Land $65,000 Building $269,400	$334,400 (-3.83%) Land $65,000 Building $269,400
2023	$994.00 (+5.41%) Homeowner's exemption	$97,335 (+3%)	$347,700 (+15.51%) Land $60,000 Building $287,700
2022	$943.00 Homeowner's exemption	$94,500	$301,000 Land $55,000 Building $246,000

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.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 25 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	25 in force

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 350 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
Lumen Technologies DSL · Fiber in parts of the area	140 / 20

May also be available: Hotwire Communications, T-Mobile USA, Verizon.

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