4708 Pine Lake Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4708 Pine Lake Dr, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,193 sqft · built 1973
Lot Size	0.267 acres (11,630 sqft)
Owner	2 Company Names on Record
Last Sale	$290,000 (Aug 2019)
Tax Bill	$3,444 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-26-30-0902-0001-0050`

Property Details

APN / Parcel Number

Primary APN	`04-26-30-0902-0001-0050`
Alternative APNs	`263004090200010050` `82516`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,193 sqft Living Area
Gross Area	2,742 sqft
1st Floor Area	2,193 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,630 sqft (0.267 acres)
Lot Dimensions	125 ft deep x 93 ft wide
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces
Porch	Metal Porch
Porch Area	554 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4708 PINE LAKE DR
City	SAINT CLOUD
State	FL
Zip	34769-1620
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1
Legal Description	PINE LAKE ESTATES UNIT 2 PB 2 PGS 92-95 LOT 5 & W 6 INCHES LOT 6 09-26-30
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PINE LAKE ESTATES UNIT 2
Legal Tract	902
Legal Block	50
Legal Lot Number	5
Legal Unit	2P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1032
Census Tract	43208

Owner

Source: Osceola County records, as of February 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	4708 PINE LAKE DR, SAINT CLOUD, FL 34769-1620
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 28, 2019	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2019 · Amount on Record
Deed Sale	Aug 28, 2019 · Amount on Record
Prior Sale	Apr 13, 2001 · Amount on Record
Deed Document Number	2019111613
Deed Book / Page	5580 / 1990
Last Transfer Date	Jan 24, 2025
Transfer Doc	0067350372
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4708 PINE LAKE DR, SAINT CLOUD, FL 34769-1620
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0061460297
Date	Feb 8, 2022
Book Page	6146/297
Instrument	2022021210

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 28, 2019
Property Address	4708 PINE LAKE DR, SAINT CLOUD, FL 34769-1620
Document Number	0055801990
Book / Page	005580 / 001990
Instrument Date	Aug 12, 2019
Instrument	111613
Transaction Type	Transfer
Record Updated	Sep 10, 2019
Title Company	AMROCK INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,030.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4708 PINE LAKE DR ST CLOUD FL 347691620, ST CLOUD, FL 34769-1620

Mortgage

Document Number	55801994
Date	Aug 28, 2019
Book Page	005580/001994
Instrument	111614

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2049

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$3,444.00 (+3.52%)	$235,327 (+5.99%)	$357,200 (-3.17%) Land $65,000 Building $292,200
2024	$3,327.00 (+2.72%)
2023	$3,239.00 (+3.65%) Homeowner's exemption	$222,034 (+3%)	$368,900 (+17%) Land $60,000 Building $308,900
2022	$3,125.00 Homeowner's exemption	$215,567	$315,300 Land $55,000 Building $260,300

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 29 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	35 units insured incl. 6 condo units

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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