4630 Mesa Verde Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4630 Mesa Verde Dr, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,488 sqft · built 1980
Lot Size	0.171 acres (7,492 sqft)
Owner	Individual Name on File
Last Sale	$235,000 (Dec 2020)
Tax Bill	$2,730 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage May 2019 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`82577`

Property Details

APN / Parcel Number

Primary APN	`82577`
Alternative APN	`042630090400010110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,488 sqft Heated Area
Gross Area	2,200 sqft
1st Floor Area	1,488 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1985
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.171 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Type	Finished
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	192 sqft
Patio Area	20 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	82577
Street Address	4630 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 11 09-26-30
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PINE LAKE ESTATE
Legal Tract	904
Legal Block	1
Legal Lot Number	9,11 9
Legal Unit	3P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3014
Census Tract	43208

Owner

Source: Osceola County assessment roll, as of July 1, 2025

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	4630 MESA VERDE DR, SAINT CLOUD, FL 34769-1604
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2020	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC
May 28, 2019	Quit Claim Deed, Transfer · Construction Mortgage KATHLEEN J QUINLAN
Mar 31, 2017	Grant Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 16, 2020 · Amount on Record
Deed Sale	Dec 16, 2020 · Amount on Record
Prior Sale	May 28, 2019
Deed Document Number	2020171157
Deed Book / Page	5852 / 2007
Record Updated	Jun 8, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 16, 2020
Property Address	4630 MESA VERDE DR, SAINT CLOUD, FL 34769-1604
Document Number	0058522007
Book / Page	5852 / 2007
Map Reference	MB 2 PG 96&97
Instrument Date	Dec 14, 2020
Instrument	2020171157
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	CORE TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,645.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1426 SIMPSON RD, 1426, KISSIMMEE, FL 34744-4600

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4630 MESA VERDE DR, SAINT CLOUD, FL 34769-1604

Mortgage

Document Number	0058522009
Date	Dec 16, 2020
Instrument	5852/2009

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 28, 2019
Property Address	4630 MESA VERDE DR, SAINT CLOUD, FL 34769-1604
Document Number	0055301116
Book / Page	005530 / 001116
Instrument Date	May 23, 2019
Instrument	67830
Transaction Type	Transfer
Record Updated	Jun 6, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1426 SIMPSON RD #229 KISSIMMEE FL 347444600, 229, KISSIMMEE, FL 34744-4600

Mortgage

Document Number	55301118
Date	May 28, 2019
Book Page	005530/001118
Instrument	67831

Lender

Name	KATHLEEN J QUINLAN

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 27, 2020

Interest

Rate	7%

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 31, 2017
Property Address	4630 MESA VERDE DR, SAINT CLOUD, FL 34769-1604
Document Number	0051251676
Book / Page	005125 / 001676
Instrument Date	Mar 31, 2017
Instrument	49735
Transaction Type	Transfer
Record Updated	May 19, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Tax	$980.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4630 MESA VERDE DR ST CLOUD FL 347691604, ST CLOUD, FL 34769-1604

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,730.00 (+6.6%) Homeowner's exemption	$195,422 (+5.99%)	$260,500 (-3.63%) Land $53,300 Building $207,200
2023	$2,561.00 (+3.85%) Homeowner's exemption	$184,384 (+3%)	$270,300 (+15.81%) Land $49,200 Building $221,100
2022	$2,466.00 Homeowner's exemption	$179,014	$233,400 Land $45,100 Building $188,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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