4610 Pine Lake Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4610 Pine Lake Dr, Saint Cloud, FL 34769 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,295 sqft · built 1973
Lot Size	0.287 acres (12,501 sqft)
Owner	2 Individual Names on File
Last Sale	$72,500 (Dec 2018)
Tax Bill	$1,848 (2025)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-26-30-0902-0001-0150`

Property Details

APN / Parcel Number

Primary APN	`04-26-30-0902-0001-0150`
Alternative APNs	`263004090200010150` `82528`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,295 sqft Living Area
Gross Area	3,029 sqft
1st Floor Area	1,329 sqft
Upper Floors Area	966 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Mansard
Roof Material	Composition Shingle
Lot Area	12,501 sqft (0.287 acres)
Lot Dimensions	126 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	512 sqft
Porch	Finished/Open Porch
Porch Area	217 sqft
Deck Area	428 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4610 PINE LAKE DR
City	SAINT CLOUD
State	FL
Zip	34769-1619
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINE LAKE ESTATES UNIT 2 PB 2 PGS 92-95 LOT 15 09-26-30
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PINE LAKE ESTATES UNIT 2
Legal Tract	902
Legal Block	150
Legal Lot Number	15
Legal Unit	2P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1032
Census Tract	43208

Owner

Source: Osceola County records · APN 04-26-30-0902-0001-0150

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	4610 PINE LAKE DR, SAINT CLOUD, FL 34769-1619
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 19, 2018 · Amount on Record
Deed Sale	Dec 19, 2018 · Amount on Record
Prior Sale	May 22, 2006 · Amount on Record
Deed Document Number	2018185570
Deed Book / Page	5452 / 548
Last Transfer Date	Aug 12, 2020
Transfer Doc	0057760800
Record Updated	Jun 08, 2026

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Aug 18, 2020
Property Address	4610 PINE LAKE DR, SAINT CLOUD, FL 34769-1619
Document Number	0057760800
Book / Page	5776 / 800
Map Reference	MB 2 PG 92-95
Instrument Date	Aug 12, 2020
Instrument	2020108682
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	TITLE365

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4610 PINE LAKE DR, SAINT CLOUD, FL 34769-1619

Mortgage

Document Number	0005776805
Date	Aug 18, 2020
Instrument	5776/805

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 01, 2035

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	$1,848.00 (+3.82%) Homeowner's exemption	$146,160 (+5.99%)	$369,700 (-4%) Land $65,000 Building $304,700
2024	$1,780.00 (+3.25%)
2023	$1,724.00 (+4.3%) Homeowner's exemption	$137,904 (+3%)	$385,100 (+15.78%) Land $60,000 Building $325,100
2022	$1,653.00 Homeowner's exemption	$133,888	$332,600 Land $55,000 Building $277,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432081, refreshed September 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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 29 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	35 units insured 6 under condo master policies

Wildfire

Wildfire Risk	Low above 37% of the US · above 11% of Florida
Wildfire Likelihood	About 1 in 2,273 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 350 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Lumen Technologies	DSL	140 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA, Verizon, Lumen Technologies, Hotwire Communications, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.