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4600 Pine Lake Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4600 Pine Lake Dr, Saint Cloud, FL 34769 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 3,082 sqft · built 1973
Lot Size0.294 acres (12,850 sqft)
Owner2 Individual Names on File
Last Sale$285,000 (Nov 2019)
Tax Bill$4 (2025)
Deeds & MortgagesOct 2020 Mortgage
Nov 2019 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN82529

Property Details

APN / Parcel Number

Primary APN82529
Alternative APN
  • 042630090200010160

Interior

Bedrooms4 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Building Area3,082 sqft Heated Area
Gross Area3,708 sqft Gross Area
1st Floor Area1,539 sqft 1st Floor
Upper Floors Area1,053 sqft Upper Floors
Stories2 Stories
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1973
Effective Year BuiltEffective 1988
Exterior MaterialAluminum Siding
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area12,850 sqft (0.294 acres)
Lot Dimensions100 ft deep x 109 ft wide
Parking Spaces2 Parking Spaces
Garage TypeFinished
Garage Area594 sqft Garage

Exterior Amenities

Pool Area49 sqft Pool
FenceFence
Deck Area340 sqft Deck
PorchEnclosed Porch
Porch Area522 sqft Porch

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number82529
Street Address4600 PINE LAKE DR
CitySAINT CLOUD
StateFL
Zip34769-1619
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPINE LAKE ESTATES UNIT 2 PB 2 PG 92 95 LOT 16 ALSO BEG AT SW COR LOT 17, RUN NE 105.62 FT TO E LINE LOT 17 RUN SE 14 FT TO SE
Legal Range30E
Legal Township26S
Legal Section04
Legal SubdivisionPINE LAKE ESTATE
Legal Tract902
Legal Block1
Legal Lot Number16-17
Legal Unit2P
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1032
Census Tract43208

Owner

Source: Osceola County records · APN 82529

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 Record2 Individual Names on File
Mailing Address4600 PINE LAKE DR, SAINT CLOUD, FL 34769-1619
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 01, 2020Deed of Trust, Mortgage · VA Mortgage
CALIBER HOME LOANS INC
Nov 22, 2019Warranty Deed, Transfer · VA Mortgage
VETERANS UNITED HM LNS
Jul 24, 2017Warranty Deed, Transfer · Conventional Mortgage
MIGUEL P DE LEON

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 22, 2019 · Amount on Record
Deed SaleNov 22, 2019 · Amount on Record
Prior SaleJul 24, 2017 · Amount on Record
Deed Document Number2019152973
Deed Book / Page5629 / 0211
Record UpdatedJun 08, 2026

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4600 PINE LAKE DR, SAINT CLOUD, FL 34769-1619
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address4600 PINE LAKE DR, SAINT CLOUD, FL 34769-1619

Mortgage

Document Number0058042029
DateOct 01, 2020
Book Page5804/2029
Instrument2020132141
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
AddressCOPPELL, TX 75019
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueOct 01, 2050

November 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 22, 2019
Property Address4600 PINE LAKE DR, SAINT CLOUD, FL 34769-1619
Document Number0056290211
Book / Page005629 / 000211
Instrument DateNov 01, 2019
Instrument152973
Transaction TypeTransfer
Record UpdatedDec 18, 2019
Title CompanyNOT AVAILABLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,995.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address4600 PINE LAKE DR ST CLOUD FL 347691619, ST CLOUD, FL 34769-1619

Mortgage

Document Number56290213
DateNov 22, 2019
Book Page005629/000213
Instrument152974
Lender
NameVETERANS UNITED HM LNS
TypeFunding / Finance Company
AddressCOLUMBIA, MO 65203
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueNov 21, 2049

July 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 24, 2017
Property Address4600 PINE LAKE DR, SAINT CLOUD, FL 34769-1619
Document Number0051830016
Book / Page005183 / 000016
Instrument DateJul 19, 2017
Instrument106619
Transaction TypeTransfer
Record UpdatedAug 25, 2017
Title CompanyCONTEMPORARY TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,680.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4600 PINE LAKE DR ST CLOUD FL 347691619, ST CLOUD, FL 34769-1619

Mortgage

Document Number51830017
DateJul 24, 2017
Book Page005183/000017
Instrument106620
Lender
NameMIGUEL P DE LEON
Address2618 W ORANGE BLVD, KISSIMMEE, FL 34741-3951
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueJul 23, 2032

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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 and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$4.00 (-99.9%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$252,145 (+5.99%)$412,900 (-3.55%) Land $65,000 Building $347,900
2023$4,037.00 (+0.65%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$237,902 (+3%)$428,100 (+15.48%) Land $60,000 Building $368,100
2022$4,011.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$230,973$370,700 Land $55,000 Building $315,700

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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