Osceola County property record for 4715 Pine Lake Dr, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,354 sqft · built 1973 |
| Lot Size | 0.287 acres (12,502 sqft) |
| Owner | Individual Name on File |
| Last Sale | $239,000 (Jun 2018) |
| Tax Bill | $3,071 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Jun 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 82562 |
| Primary APN | 82562 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 1 Plumbing Fixture |
| Stories | 2 Stories |
| Building Area | 2,354 sqft Heated Area |
| Gross Area | 3,333 sqft |
| 1st Floor Area | 1,178 sqft |
| Upper Floors Area | 1,176 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Aluminum Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,502 sqft (0.287 acres) |
| Lot Dimensions | 125 ft deep x 100 ft wide |
| Garage Type | Finished |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 450 sqft |
|---|---|
| Porch | Finished/Screened Porch |
| Porch Area | 473 sqft |
| Deck Area | 726 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 82562 |
|---|---|
| Street Address | 4715 PINE LAKE DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-1602 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PINE LAKE ESTATES UNIT 2 PB 2 PGS 92-95 LOT 49 09-26-30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | PINE LAKE ESTATE |
| Legal Tract | 902 |
| Legal Block | 1 |
| Legal Lot Number | 9,49 9 |
| Legal Unit | 2P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 43208 |
Source: Osceola County records · APN 82562
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 Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 4715 PINE LAKE DR, SAINT CLOUD, FL 34769-1602 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 17, 2020 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Jun 25, 2018 | Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 25, 2018 · Amount on Record |
| Deed Sale | Jun 25, 2018 · Amount on Record |
| Deed Document Number | 2018097541 |
| Deed Book / Page | 5356 / 0767 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4715 PINE LAKE DR, SAINT CLOUD, FL 34769-1602 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4715 PINE LAKE DR, SAINT CLOUD, FL 34769-1602 |
| Document Number | 0057750036 |
|---|---|
| Date | Aug 17, 2020 |
| Book Page | 5775/36 |
| Instrument | 2020107765 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Aug 27, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 25, 2018 |
| Property Address | 4715 PINE LAKE DR, SAINT CLOUD, FL 34769-1602 |
| Document Number | 0053560767 |
| Book / Page | 5356 / 0767 |
| Map Reference | MB2 PG92 |
| Instrument Date | Jun 22, 2018 |
| Instrument | 2018097541 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | STEWART TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,673.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4715 PINE LAKE DR, 4715, SAINT CLOUD, FL 34769-1602 |
| Name | Verified Name |
|---|---|
| Address | 4715 PINE LAKE DR, SAINT CLOUD, FL 34769-1602 |
| Investor | Possibly a Property Investor |
| Document Number | 2018097542 |
|---|---|
| Date | Jun 25, 2018 |
| Instrument | 2018097542 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2048 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $3,071.00 (+6.45%) Homeowner's exemption | $214,494 (+5.99%) | $361,900 (-2.45%) Land $65,000 Building $296,900 |
| 2023 | $2,885.00 (+3.74%) Homeowner's exemption | $202,378 (+3%) | $371,000 (+16.48%) Land $60,000 Building $311,000 |
| 2022 | $2,781.00 Homeowner's exemption | $196,484 | $318,500 Land $55,000 Building $263,500 |
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
| 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 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.
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.
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