Osceola County property record for 4618 Mesa Verde Dr, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,262 sqft · built 1980 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $305,000 (Apr 2026) |
| Tax Bill | $542 (2025) |
| Deeds & Mortgages | Apr 2026 Sale Apr 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-26-30-0904-0001-0130 |
| Primary APN | 04-26-30-0904-0001-0130 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,262 sqft Living Area |
| Gross Area | 1,950 sqft |
| 1st Floor Area | 1,262 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 100 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
|---|---|
| Porch Area | 188 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4618 MESA VERDE DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-1604 |
| 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 13 09-26-30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | PINE LAKE ESTATES UNIT 3 |
| Legal Tract | 904 |
| Legal Block | 130 |
| Legal Lot Number | 13 |
| Legal Unit | 3P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 43208 |
Source: Osceola County records, as of July 6, 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 Record |
|---|---|
| Mailing Address | 5 BANCROFT ST, NEEDHAM, MA 02492-3631 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Apr 17, 2026 | Affidavit, Transfer |
| Apr 17, 2026 | Warranty Deed, Transfer · Conventional Mortgage PENTAGON FEDERAL CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 17, 2026 · Amount on Record |
| Deed Sale | Apr 17, 2026 · Amount on Record |
| Deed Document Number | 202651060 |
| Deed Book / Page | 6957 / 250 |
| Prior Transfer Date | Apr 16, 2026 |
| Prior Transfer Doc | 0000051062 |
| Record Updated | Sep 20, 2026 |
| Document Type | Affidavit |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 17, 2026 |
| Property Address | 4618 MESA VERDE DR, SAINT CLOUD, FL 34769-1604 |
| Document Number | 0000051062 |
| Book / Page | 6957 / 268 |
| Instrument Date | Apr 16, 2026 |
| Instrument | 202651062 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 17, 2026 |
| Property Address | 4618 MESA VERDE DR, SAINT CLOUD, FL 34769-1604 |
| Document Number | 0069570250 |
| Book / Page | 6957 / 250 |
| Instrument Date | Apr 13, 2026 |
| Instrument | 202651060 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2026 |
| Title Company | PREMIER TITLE COMPANY, PREMIER TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $215,635.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5 BANCROFT ST, NEEDHAM, MA 02492-3631 |
| Investor | Possibly a Property Investor |
| Document Number | 0000051061, |
|---|---|
| Date | Apr 17, 2026 |
| Book Page | 6957/252 |
| Instrument | 202651061 |
| Name | PENTAGON FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $542.00 (+4.84%) | $90,308 (+5.99%) | $232,100 (-2.15%) Land $53,300 Building $178,800 |
| 2024 | $517.00 (+3.82%) | ||
| 2023 | $498.00 (+5.73%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $85,207 (+3%) | $237,200 (+16.27%) Land $49,200 Building $188,000 |
| 2022 | $471.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $82,726 | $204,000 Land $45,100 Building $158,900 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
| CenturyLink DSL · Fiber in parts of the area | 140 / 20 |
May also be available: Hotwire Communications, T-Mobile, Verizon.
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