4724 Pine Lake Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4724 Pine Lake Dr, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,756 sqft · built 1974
Lot Size	0.266 acres (11,586 sqft)
Owner	2 Individual Names on File
Last Sale	$380,000 (May 2025)
Tax Bill	$1,360 (2025)
Deeds & Mortgages	May 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-26-30-0902-0001-0030`

Property Details

APN / Parcel Number

Primary APN	`04-26-30-0902-0001-0030`
Alternative APNs	`263004090200010030` `82514`

Interior

Full Baths	2 Baths
Plumbing Fixtures	1 Plumbing Fixture
Stories	1 Story
Building Area	1,756 sqft Living Area
Gross Area	2,616 sqft
1st Floor Area	1,756 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1977
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,586 sqft (0.266 acres)
Lot Dimensions	125 ft deep x 92 ft wide
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	512 sqft
Porch	Florida Room
Porch Area	356 sqft
Deck Area	324 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4724 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 3 09-26-30
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PINE LAKE ESTATES UNIT 2
Legal Tract	902
Legal Block	30
Legal Lot Number	3
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 · APN 04-26-30-0902-0001-0030

Assessment roll updated November 26, 2025 · Last verified June 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	4724 PINE LAKE DR, SAINT CLOUD, FL 34769-1620
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 09, 2025 · Amount on Record
Deed Sale	May 09, 2025 · Amount on Record
Deed Document Number	202559302
Deed Book / Page	6785 / 2411
Prior Transfer Date	Apr 12, 2013
Prior Transfer Doc	0044270888
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	May 18, 2026
Property Address	4724 PINE LAKE DR, SAINT CLOUD, FL 34769-1620
Document Number	0000065238
Book / Page	6973 / 321
Instrument Date	May 13, 2026
Instrument	202665238
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ROCKET MORTGAGE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4724 PINE LAKE DR, SAINT CLOUD, FL 34769-1620

Mortgage

Document Number	0000065238,
Date	May 18, 2026
Book Page	6973/321
Instrument	202665238

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,360.00 (+4.06%)	$118,908 (+5.99%)	$318,500 (-1.85%) Land $65,000 Building $253,500
2024	$1,307.00 (+3.65%)
2023	$1,261.00 (+4.82%) Homeowner's exemption	$112,192 (+3%)	$324,500 (+15.93%) Land $60,000 Building $264,500
2022	$1,203.00 Homeowner's exemption	$108,925	$279,900 Land $55,000 Building $224,900

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 120970432081, 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 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

Wildfire

Wildfire Risk	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond ember reach

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 · sampled at 350 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
Lumen Technologies DSL · Fiber in parts of the area	140 / 20

May also be available: Hotwire Communications, T-Mobile USA, Verizon.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.