4645 Pine Tree Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4645 Pine Tree Dr, Saint Cloud, FL 34772 · Last verified January 2024

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2 Baths
Year Built	Built 1980
Square Footage	2,431 sqft Heated Area
Lot Size	108,029 sqft (2.48 acres)
Occupancy	Owner Occupied
Last Sale	$167,000 (2009)
Tax Bill	$2,868.00 (2023)

Property Details

APN / Parcel Number

Primary APN	`115216`
Alternative APN	`302631408100010040`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	2,431 sqft Heated Area
Gross Area	2,491 sqft Gross Area
1st Floor	2,353 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Paneling Interior Structure

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1980
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	108,029 sqft (2.48 acres)

Exterior Amenities

Pool Area	63 sqft Pool
Deck Area	2,641 sqft Deck
Patio Area	480 sqft Patio
Porch	Enclosed Porch
Porch Area	138 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	115216
Street Address	4645 PINE TREE DR
City	SAINT CLOUD
State	FL
Zip	34772-8030
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	MCDANIELS SUB PB 5 PG 9 LOT 4
Legal Range	31E
Legal Township	26S
Legal Section	30
Legal Subdivision	ST CLOUD MANOR EST 1
Legal Tract	4081
Legal Block	1
Legal Lot Number	4
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1021
Census Tract	43304

Owner

Source: Osceola County records · APN 115216

Assessment roll updated July 1, 2023 · Last verified January 2024

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
Co-owner	Verified Secondary Owner
Mailing Address	4645 PINE TREE DR, SAINT CLOUD, FL 34772-8030
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 23, 2009 · Amount on Record
Deed Sale	Jun 23, 2009 · Amount on Record
Prior Sale	Mar 13, 2006 · Amount on Record
Deed Doc Number	2009097587
Deed Book / Page	3851 / 2775
Record Refreshed	Jun 07, 2026

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	4645 PINE TREE DR, SAINT CLOUD, FL 34772-8030
Document Number	0054140668
Instrument Date	Aug 14, 2018
Transaction Type	Mortgage
Record Updated	Oct 22, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	4645 PINE TREE DR ST CLOUD FL 347728030, ST CLOUD, FL 34772-8030

Mortgage

Document Number	0054140668
Date	Oct 08, 2018
Book Page	005414/000668
Instrument	151053

Lender

Name	RP FNDG
Type	Funding / Finance Company
Address	LAKE ZURICH, IL 60047

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	276 Months
Due	Oct 07, 2041

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2023 · Last verified January 2024

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
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
2023	$2,868.00 (+39.29%) Homeowner's exemption	$201,053 (+37.46%)	$395,100 (+34.39%) Land $125,200 Building $269,900
2022	$2,059.00 Homeowner's exemption	$146,266	$294,000 Land $99,200 Building $194,800

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 54% of the US · above 25% of Florida
Wildfire Likelihood	About 1 in 714 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.