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4709 Pine Lake Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4709 Pine Lake Dr, Saint Cloud, FL 34769 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,958 sqft · built 1973
Lot Size0.287 acres (12,502 sqft)
OwnerIndividual Name on File
Last Sale$415,000 (Jul 2023)
Tax Bill$5,618 (2025)
Deeds & MortgagesJul 2023 Sale & Mortgage
Jul 2023 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN82561

Property Details

APN / Parcel Number

Primary APN82561
Alternative APN
  • 042630090200010480

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,958 sqft Heated Area
Gross Area3,180 sqft
1st Floor Area1,958 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1973
Effective Year BuiltEffective 1983
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area12,502 sqft (0.287 acres)
Lot Dimensions125 ft deep x 100 ft wide
Garage TypeFinished
Garage Area506 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area312 sqft
PorchOpen Porch
Porch Area466 sqft
Deck Area353 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number82561
Street Address4709 PINE LAKE DR
CitySAINT CLOUD
StateFL
Zip34769-1602
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPINE LAKE ESTATES UNIT 2 PB 2 PGS 92-95 LOT 48 09-26-30
Legal Range30E
Legal Township26S
Legal Section04
Legal SubdivisionPINE LAKE ESTATE
Legal Tract902
Legal Block1
Legal Lot Number9,48 9
Legal Unit2P
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3014
Census Tract43208

Owner

Source: Osceola County records · APN 82561

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address4709 PINE LAKE DR, SAINT CLOUD, FL 34769-1602
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 26, 2023Warranty Deed, Transfer · Conventional Mortgage
CLASSIC MORTGAGE LLC
Jul 03, 2023Deed of Trust, Mortgage · FHA Mortgage
WELLS FARGO BANK NA
Apr 29, 2021Deed of Trust, Mortgage · FHA Mortgage
WELLS FARGO BANK NA
Jun 20, 2018Loan Modification, Mortgage · Conventional with PMI
WELLS FARGO BK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 26, 2023 · Amount on Record
Deed SaleJul 26, 2023 · Amount on Record
Prior SaleJul 09, 2015 · Amount on Record
Deed Document Number2023096439
Deed Book / Page6446 / 1612
Record UpdatedJun 08, 2026

July 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 26, 2023
Property Address4709 PINE LAKE DR, SAINT CLOUD, FL 34769-1602
Document Number0064461612
Book / Page6446 / 1612
Map ReferenceMB 2 PG 92-96
Instrument DateJul 21, 2023
Instrument2023096439
Transaction TypeTransfer
Record UpdatedAug 10, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,905.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address210 WEST BLVD, LAURINBURG, NC 28352-4462

Transferred To (Grantee/Buyer)

NameVerified Name
Address4709 PINE LAKE DR, SAINT CLOUD, FL 34769-1602
InvestorPossibly a Property Investor

Mortgage

Document Number0064461618
DateJul 26, 2023
Instrument6446/1618
Lender
NameCLASSIC MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2053

July 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4709 PINE LAKE DR, SAINT CLOUD, FL 34769-1602
Transaction TypeMortgage
Record UpdatedJul 20, 2023
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address4709 PINE LAKE DR, SAINT CLOUD, FL 34769-1602

Mortgage

Document Number0064342138
DateJul 03, 2023
Book Page6434/2138
Instrument2023085726
Lender
NameWELLS FARGO BANK NA
TypeBank
AddressDES MOINES, IA 50328
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term301 Months
DueAug 01, 2048

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4709 PINE LAKE DR, SAINT CLOUD, FL 34769-1602
Transaction TypeMortgage
Record UpdatedMay 12, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address4709 PINE LAKE DR, SAINT CLOUD, FL 34769-1602

Mortgage

Document Number0059462445
DateApr 29, 2021
Book Page5946/2445
Instrument2021065253
Lender
NameWELLS FARGO BANK NA
TypeBank
AddressDES MOINES, IA 50328
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term328 Months
DueAug 01, 2048

June 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address4709 PINE LAKE DR, SAINT CLOUD, FL 34769-1602
Document Number0053721187
Instrument DateJun 20, 2018
Transaction TypeMortgage
Record UpdatedAug 10, 2018
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address4709 PINE LAKE DR ST CLOUD FL 347691602, ST CLOUD, FL 34769-1602

Mortgage

Document Number0053721187
DateJul 24, 2018
Book Page005372/001187
Instrument112769
Lender
NameWELLS FARGO BK
TypeBank
AddressFORT MILL, SC 29715
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueJul 23, 2048
Interest
Rate3.75%

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$5,618.00 (+119.54%) Homeowner's exemption$356,800 (+93.67%) Land $65,000 Building $291,800$356,800 (-2.99%) Land $65,000 Building $291,800
2023$2,559.00 (+3.86%) Homeowner's exemption$184,230 (+3%)$367,800 (+15.55%) Land $60,000 Building $307,800
2022$2,464.00 Homeowner's exemption$178,865$318,300 Land $55,000 Building $263,300

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskLow
above 37% of the US · above 11% of Florida
Wildfire LikelihoodAbout 1 in 2,273 per year
ExposureDirect
burnable vegetation at the parcel

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

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