4636 Mesa Verde Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4636 Mesa Verde Dr, Saint Cloud, FL 34769 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,178 sqft · built 1980
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on File
Last Sale	$328,000 (Sep 2025)
Tax Bill	$3,554 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Dec 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-26-30-0904-0001-0100`

Property Details

APN / Parcel Number

Primary APN	`04-26-30-0904-0001-0100`
Alternative APNs	`263004090400010100` `82576`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,178 sqft Living Area
Gross Area	1,883 sqft
1st Floor Area	1,178 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1985
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	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed/Finished Porch
Porch Area	185 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4636 MESA VERDE DR
City	SAINT CLOUD
State	FL
Zip	34769-1604
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINE LAKE ESTATES UNIT 3 PB 2 PGS 96 97 LOT 10 09-26-30
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PINE LAKE ESTATES UNIT 3
Legal Tract	904
Legal Block	100
Legal Lot Number	10
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 records · APN 04-26-30-0904-0001-0100

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	4636 MESA VERDE DR, SAINT CLOUD, FL 34769-1604
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2025	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE
Dec 05, 2022	Intrafamily Transfer, Transfer ATTORNEY
Sep 13, 2021	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC
May 22, 2018	Loan Modification, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 16, 2025 · Amount on Record
Deed Sale	Sep 16, 2025 · Amount on Record
Prior Sale	Sep 13, 2021 · Amount on Record
Deed Document Number	2025114618
Deed Book / Page	6849 / 2415
Prior Transfer Date	Dec 05, 2022
Prior Transfer Doc	0063250075
Record Updated	Jun 08, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 16, 2025
Property Address	4636 MESA VERDE DR, SAINT CLOUD, FL 34769-1604
Document Number	0068492415
Book / Page	6849 / 2415
Map Reference	MB 2 PG 96
Instrument Date	Sep 10, 2025
Instrument	2025114618
Transaction Type	Transfer
Record Updated	Apr 02, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,296.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	139 STONEY RIDGE DR, LONGWOOD, FL 32750-7301

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4636 MESA VERDE DR, SAINT CLOUD, FL 34769-1604

Mortgage

Document Number	0068492417
Date	Sep 16, 2025
Instrument	6849/2417

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2055

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Dec 05, 2022
Property Address	4636 MESA VERDE DR, SAINT CLOUD, FL 34769-1604
Document Number	0063250075
Book / Page	6325 / 75
Map Reference	MB 2 PG 96&97
Instrument Date	Dec 05, 2022
Instrument	2022174753
Transaction Type	Transfer
Record Updated	Jun 07, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4636 MESA VERDE DR, SAINT CLOUD, FL 34769-1604

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4636 MESA VERDE DR, SAINT CLOUD, FL 34769-1604

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 13, 2021
Property Address	4636 MESA VERDE DR, SAINT CLOUD, FL 34769-1604
Document Number	0060412283
Book / Page	6041 / 2283
Map Reference	MB 2 PG 96&97
Instrument Date	Sep 01, 2021
Instrument	2021141373
Transaction Type	Transfer
Record Updated	Sep 28, 2021
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,694.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4636 MESA VERDE DR, SAINT CLOUD, FL 34769-1604

Mortgage

Document Number	60412285
Date	Sep 13, 2021
Instrument	6041/2285

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2051

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	4636 MESA VERDE DR, SAINT CLOUD, FL 34769-1604
Document Number	0053730153
Instrument Date	May 22, 2018
Transaction Type	Mortgage
Record Updated	Aug 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4636 MESA VERDE DR ST CLOUD FL 347691604, ST CLOUD, FL 34769-1604

Mortgage

Document Number	0053730153
Date	Jul 25, 2018
Book Page	005373/000153
Instrument	113387

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 24, 2048

Interest

Rate	4.5%

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	$3,554.00 (+3.52%)	$241,476 (+2.9%)	$246,400 (-5.05%) Land $53,300 Building $193,100
2024	$3,433.00 (+2.66%) Homeowner's exemption	$234,671 (+3%)	$259,500 (+1.25%) Land $49,200 Building $210,300
2023	$3,344.00 (+3.63%) Homeowner's exemption	$227,836 (+3%)	$256,300 (+15.87%) Land $49,200 Building $207,100
2022	$3,227.00 Homeowner's exemption	$221,200 Land $45,100 Building $176,100	$221,200 Land $45,100 Building $176,100

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 120970432083, 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 25 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	25 in force

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.

Mobile Coverage

5G and 4G LTE

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