Osceola County property record for 4625 Pine Lake Dr, Saint Cloud, FL 34769 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,252 sqft · built 1973 |
| Lot Size | 0.287 acres (12,501 sqft) |
| Owner | Individual Name on File |
| Last Sale | $440,000 (Jan 2025) |
| Tax Bill | $1,649 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Apr 2026 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-26-30-0902-0001-0460 |
| Primary APN | 04-26-30-0902-0001-0460 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,252 sqft Living Area |
| Gross Area | 3,252 sqft |
| 1st Floor Area | 2,252 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | L-Shape |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,501 sqft (0.287 acres) |
| Lot Dimensions | 125 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 286 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 494 sqft |
| Deck Area | 284 sqft |
| Patio Area | 228 sqft |
| Shed | 1 Shed |
| Shed Area | 168 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 4625 PINE LAKE DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-1617 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PINE LAKE ESTATES UNIT 2 PB 2 PGS 92-95 LOT 46 09-26-30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | PINE LAKE ESTATES UNIT 2 |
| Legal Tract | 902 |
| Legal Block | 460 |
| Legal Lot Number | 46 |
| Legal Unit | 2P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 43208 |
Source: Osceola County records · APN 04-26-30-0902-0001-0460
Assessment roll updated November 26, 2025 · Last verified June 2026
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 | 14601 NE 37TH PL, E30, BELLEVUE, WA 98007-3491 |
| Owner Type | Individual |
| Vesting | Single Man |
| Date | Document |
|---|---|
| Apr 28, 2026 | Deed of Trust · Conventional Mortgage NEWREZ LLC |
| Apr 28, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC |
| Dec 28, 2022 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Oct 04, 2021 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Jul 02, 2019 | Quit Claim Deed, Transfer · FHA Mortgage MR COOPER |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 22, 2025 · Amount on Record |
| Deed Sale | Jan 22, 2025 · Amount on Record |
| Prior Sale | Jul 02, 2019 · Amount on Record |
| Deed Document Number | 20258865 |
| Deed Book / Page | 6729 / 523 |
| Prior Transfer Date | Jun 24, 2019 |
| Prior Transfer Doc | 0055502024 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 28, 2026 |
| Property Address | 4625 PINE LAKE DR, SAINT CLOUD, FL 34769-1617 |
| Document Number | 0000055912 |
| Book / Page | 6962 / 1233 |
| Instrument Date | Apr 03, 2026 |
| Instrument | 2026.55912 |
| Record Updated | May 07, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES (RE |
| Name | Verified Name |
|---|---|
| Address | 4625 PINE LAKE DR, SAINT CLOUD, FL 34769-1617 |
| Investor | Possibly a Property Investor |
| Document Number | 0000055912, |
|---|---|
| Date | Apr 28, 2026 |
| Book Page | 6962/1233 |
| Instrument | 2026.55912 |
| Name | NEWREZ LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 01, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 28, 2026 |
| Property Address | 4625 PINE LAKE DR, SAINT CLOUD, FL 34769-1617 |
| Document Number | 0069621233 |
| Book / Page | 6962 / 1233 |
| Instrument Date | Apr 03, 2026 |
| Instrument | 202655912 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 4625 PINE LAKE DR, SAINT CLOUD, FL 34769-1617 |
| Investor | Possibly a Property Investor |
| Document Number | 0000055912, |
|---|---|
| Date | Apr 28, 2026 |
| Book Page | 6962/1233 |
| Instrument | 202655912 |
| Name | NEWREZ LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 01, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4625 PINE LAKE DR, SAINT CLOUD, FL 34769-1617 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4625 PINE LAKE DR, SAINT CLOUD, FL 34769-1617 |
| Document Number | 0063362091 |
|---|---|
| Date | Dec 28, 2022 |
| Book Page | 6336/2091 |
| Instrument | 2022184976 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Dec 06, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4625 PINE LAKE DR, SAINT CLOUD, FL 34769-1617 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 4625 PINE LAKE DR, SAINT CLOUD, FL 34769-1617 |
| Document Number | 0060571774 |
|---|---|
| Date | Oct 04, 2021 |
| Book Page | 6057/1774 |
| Instrument | 2021153624 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 176 Months |
| Due | Jun 01, 2036 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 02, 2019 |
| Property Address | 4625 PINE LAKE DR, SAINT CLOUD, FL 34769-1617 |
| Document Number | 0055502024 |
| Book / Page | 005550 / 002024 |
| Instrument Date | Jun 24, 2019 |
| Instrument | 85153 |
| Transaction Type | Transfer |
| Record Updated | Jul 15, 2019 |
| Title Company | TITLE 365 |
| Amount | Amount Recorded |
|---|---|
| Tax | $676.90 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4625 PINE LAKE DR ST CLOUD FL 347691617, ST CLOUD, FL 34769-1617 |
| Document Number | 55502027 |
|---|---|
| Date | Jul 02, 2019 |
| Book Page | 005550/002027 |
| Instrument | 85154 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 01, 2034 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 2026
| 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,649.00 (+3.97%) | $135,007 (+5.99%) | $360,400 (-2.7%) Land $65,000 Building $295,400 |
| 2024 | $1,586.00 (+3.32%) | ||
| 2023 | $1,535.00 (+4.49%) Homeowner's exemption | $127,382 (+3%) | $370,400 (+16.4%) Land $60,000 Building $310,400 |
| 2022 | $1,469.00 Homeowner's exemption | $123,672 | $318,200 Land $55,000 Building $263,200 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432083, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| 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 25 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 25 in force |
| 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.
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.
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