Osceola County property record for 4613 Pine Lake Dr, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1983 |
| Square Footage | 2,202 sqft Heated Area |
| Lot Size | 12,502 sqft (0.287 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $90,000 (1997) |
| Tax Bill | $4.00 (2025) |
| Primary APN | 82557 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,202 sqft Heated Area |
| Gross Area | 2,572 sqft Gross Area |
| 1st Floor | 1,696 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1983 |
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 12,502 sqft (0.287 acres) |
| Depth X Width | 125 ft x 100 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Area | 506 sqft Garage |
| Pool Area | 480 sqft Pool |
|---|---|
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 240 sqft Shed |
| Deck Area | 187 sqft Deck |
| Porch | Enclosed Porch |
| Porch Area | 876 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 82557 |
|---|---|
| Street Address | 4613 PINE LAKE DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-1617 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PINE LAKE ESTATES UNIT 2 PB 2 PGS 92-95 LOT 44 09-26-30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | PINE LAKE ESTATE |
| Legal Tract | 902 |
| Legal Block | 1 |
| Legal Lot Number | 9,44 9 |
| Legal Unit | 2P |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 3 |
| Census Block | 3014 |
| Census Tract | 43208 |
Source: Osceola County records · APN 82557
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 Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 4613 PINE LAKE DR, SAINT CLOUD, FL 34769-1617 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Nov 26, 2025 | Deed of Trust, Mortgage · Veterans Administration Mortgage NEW DAY FINANCIAL LLC |
| May 06, 2019 | Deed of Trust, Mortgage NAVY FCU |
| Apr 13, 2017 | Deed of Trust, Mortgage · Veterans Administration Mortgage NAVY FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 19, 1997 · Amount on Record |
| Deed Sale | Jun 19, 1997 · Amount on Record |
| Deed Doc Number | 0140901064 |
| Deed Book / Page | 01409 / 01064 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4613 PINE LAKE DR, SAINT CLOUD, FL 34769-1617 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2025 |
| Title Company | UNKNOWN, AMERICAS SETTLEMENT COMPANY |
| Name | Verified Name |
|---|---|
| Address | 4613 PINE LAKE DR, SAINT CLOUD, FL 34769-1617 |
| Document Number | 0068851932 |
|---|---|
| Date | Nov 26, 2025 |
| Book Page | 6885/1932 |
| Instrument | 2025145639 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | WEST PALM BEACH, FL 33401 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4613 PINE LAKE DR, SAINT CLOUD, FL 34769-1617 |
| Document Number | 0055221634 |
| Instrument Date | May 06, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 03, 2019 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 4613 PINE LAKE DR ST CLOUD FL 347691617, ST CLOUD, FL 34769-1617 |
| Document Number | 0055221634 |
|---|---|
| Date | May 10, 2019 |
| Book Page | 005522/001634 |
| Instrument | 60642 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 09, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4613 PINE LAKE DR, SAINT CLOUD, FL 34769-1617 |
| Document Number | 0051341364 |
| Book / Page | 005134 / 001364 |
| Instrument Date | Apr 13, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 4613 PINE LAKE DR ST CLOUD FL 347691617, ST CLOUD, FL 34769-1617 |
| Document Number | 0051341364 |
|---|---|
| Date | Apr 19, 2017 |
| Book Page | 005134/001364 |
| Instrument | 57971 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 18, 2047 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $140,966 (+5.99%) | $332,000 (-2.04%) Land $65,000 Building $267,000 |
| 2023 | $4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $133,004 (+3%) | $338,900 (+15.47%) Land $60,000 Building $278,900 |
| 2022 | $4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $129,131 | $293,500 Land $55,000 Building $238,500 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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; lenders make the official flood determination.
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