4731 Mesa Verde Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4731 Mesa Verde Dr, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,566 sqft · built 1980
Lot Size	0.171 acres (7,492 sqft)
Owner	Individual Name on Record
Last Sale	$387,000 (Sep 2024)
Tax Bill	$4,394 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`82639`

Property Details

APN / Parcel Number

Primary APN	`82639`
Alternative APN	`042630090400010730`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,566 sqft Heated Area
Gross Area	2,612 sqft
1st Floor Area	1,566 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1985
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,492 sqft (0.171 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Type	Finished
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Finished/Screened Porch
Porch Area	354 sqft
Deck Area	306 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	82639
Street Address	4731 MESA VERDE DR
City	SAINT CLOUD
State	FL
Zip	34769-1626
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	PINE LAKE ESTATES UNIT 3 PB 2 PGS 96-97 LOT 73 09-26-30
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PINE LAKE ESTATE
Legal Tract	904
Legal Block	1
Legal Lot Number	9,73 9
Legal Unit	3P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3022
Census Tract	43208

Owner

Source: Osceola County records, as of December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	4731 MESA VERDE DR, SAINT CLOUD, FL 34769-1626
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC
Apr 12, 2018	Deed of Trust, Mortgage · FHA Mortgage JPMORGAN CHASE BANK NA
Dec 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2024 · Amount on Record
Deed Sale	Sep 6, 2024 · Amount on Record
Prior Sale	Aug 18, 2009 · Amount on Record
Deed Document Number	2024115206
Deed Book / Page	6661 / 818
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4731 MESA VERDE DR, SAINT CLOUD, FL 34769-1626
Transaction Type	Mortgage
Record Updated	Apr 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1592 COMPASS CT, KISSIMMEE, FL 34744-6609

Mortgage

Document Number	0061790837
Date	Mar 24, 2022
Book Page	6179/837
Instrument	2022047441

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2042

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4731 MESA VERDE DR, SAINT CLOUD, FL 34769-1626
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053151682
Date	Apr 12, 2018
Book Page	5315/1682
Instrument	2018057378

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4731 MESA VERDE DR, SAINT CLOUD, FL 34769-1626
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4731 MESA VERDE DR, SAINT CLOUD, FL 34769-1626

Mortgage

Document Number	0058451497
Date	Dec 4, 2020
Book Page	5845/1497
Instrument	2020165325

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$4,394.00 (-17.88%) Homeowner's exemption	$288,400 (-2.86%) Land $53,300 Building $235,100	$288,400 (-2.86%) Land $53,300 Building $235,100
2023	$5,351.00 (+356.18%)	$296,900 (+176.85%) Land $49,200 Building $247,700	$296,900 (+15.26%) Land $49,200 Building $247,700
2022	$1,173.00 Homeowner's exemption	$107,243	$257,600 Land $45,100 Building $212,500

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.

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 25 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	25 in force

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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