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4732 Pine Lake Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4732 Pine Lake Dr, Saint Cloud, FL 34769 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2000
Square Footage1,522 sqft Living Area
Lot Size11,586 sqft (0.266 acres)
OccupancyOwner Occupied
Last Sale$370,000 (2024)
Tax Bill$5,363.00 (2024)

Property Details

APN / Parcel Number

Primary APN04-26-30-0902-0001-0020
Alternative APNs
  • 263004090200010020
  • 82513

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,522 sqft Living Area
Gross Area2,032 sqft Gross Area
1st Floor1,522 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1973
Effective Year BuiltEffective 2000
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area11,586 sqft (0.266 acres)
Depth X Width125 ft x 92 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area460 sqft Garage

Exterior Amenities

Shed1 Shed
Shed Area130 sqft Shed
Patio Area414 sqft Patio
Porch Area50 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address4732 PINE LAKE DR
CitySAINT CLOUD
StateFL
Zip34769-1620
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionPINE LAKE ESTATES UNIT 2 PB 2 PG 92 LOT 2 09-26-30
Legal Range30E
Legal Township26S
Legal Section04
Legal SubdivisionPINE LAKE ESTATES UNIT 2
Legal Tract902
Legal Block20
Legal Lot Number2
Legal Unit2P
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1032
Census Tract43208

Owner

Source: Osceola County records · APN 04-26-30-0902-0001-0020

Assessment roll updated November 26, 2025 · Last verified April 2026

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

Owner of RecordIndividual Name on File
Mailing Address4732 PINE LAKE DR, SAINT CLOUD, FL 34769-1620
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingSingle Man

Deeds, Mortgages & Sale History

DateDocument
Feb 08, 2024Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
JPMORGAN CHASE BANK NA
Oct 04, 2023Warranty Deed, Transfer
SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY
Sep 07, 2023Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleFeb 08, 2024 · Amount on Record
Deed SaleFeb 08, 2024 · Amount on Record
Prior SaleOct 04, 2023 · Amount on Record
Deed Doc Number202416769
Deed Book / Page6546 / 2329
Prior Transfer DateAug 15, 2023
Prior Transfer Doc0064700581
Record RefreshedJun 08, 2026

February 2024: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 08, 2024
Property Address4732 PINE LAKE DR, SAINT CLOUD, FL 34769-1620
Document Number0065462329
Book / Page6546 / 2329
Map ReferenceMB 2 PG 92
Instrument DateJan 26, 2024
Instrument2024016769
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 21, 2024
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,590.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address2076 KEEL WAY, KISSIMMEE, FL 34744-5930

Transferred To (Grantee/Buyer)

NameVerified Name
Address4732 PINE LAKE DR, SAINT CLOUD, FL 34769-1620

Mortgage

Document Number0065462331
DateFeb 08, 2024
Instrument6546/2331
Lender
NameJPMORGAN CHASE BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 01, 2054

October 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 04, 2023
Property Address4732 PINE LAKE DR, SAINT CLOUD, FL 34769-1620
Document Number0064850228
Book / Page6485 / 228
Map ReferenceMB 2 PG 92
Instrument DateOct 02, 2023
Instrument2023131048
Transaction TypeTransfer
Record UpdatedOct 19, 2023
Title CompanySUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transaction

AmountAmount Recorded
Tax$1,820.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address2937 WESTBROOK DR # DRA307, DRA307, FORT WAYNE, IN 46805-2068

Transferred To (Grantee/Buyer)

NameVerified Name
Address2076 KEEL WAY, KISSIMMEE, FL 34744-5930

September 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateSep 07, 2023
Property Address4732 PINE LAKE DR, SAINT CLOUD, FL 34769-1620
Document Number0064700581
Book / Page6470 / 581
Map ReferenceMB 2 PG 92
Instrument DateAug 15, 2023
Instrument2023117568
Transaction TypeTransfer
Record UpdatedSep 28, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address4732 PINE LAKE DR, SAINT CLOUD, FL 34769-1620

Transferred To (Grantee/Buyer)

NameVerified Name
Address2937 WESTBROOK DR APT 307, 307, FORT WAYNE, IN 46805-2035

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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$4,335.00 (-19.17%)$285,100 (+211.2%) Land $65,000 Building $220,100$285,100 (+0.46%) Land $65,000 Building $220,100
2024$5,363.00 (+686.36%)
2023$682.00 (+7.4%) Homeowner's exemption Senior Citizen's exemption$91,614 (-62.42%)$283,800 (+16.41%) Land $60,000 Building $223,800
2022$635.00$243,800 Land $55,000 Building $188,800$243,800 Land $55,000 Building $188,800

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 RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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

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