4740 Pine Lake Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4740 Pine Lake Dr, Saint Cloud, FL 34769 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,736 sqft · built 1976
Lot Size	0.346 acres (15,115 sqft)
Owner	2 Individual Names on File
Last Sale	$101,100 (Jun 1993)
Tax Bill	$1,339 (2025)
Flood Zone	Zone X (minimal risk)
APN	`82512`

Property Details

APN / Parcel Number

Primary APN	`82512`
Alternative APN	`042630090200010010`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,736 sqft Heated Area
Gross Area	2,331 sqft
1st Floor Area	1,736 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,115 sqft (0.346 acres)
Lot Dimensions	125 ft deep x 120 ft wide
Garage Type	Finished
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Porch Area	45 sqft
Deck Area	306 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	82512
Street Address	4740 PINE LAKE DR
City	SAINT CLOUD
State	FL
Zip	34769-1620
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINE LAKE ESTATES UNIT 2 PB 2 PGS 92-95 LOT 1 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	1,9 9
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 82512

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	2 Individual Names on File
Co-owner	Verified Secondary Owner
Mailing Address	4740 PINE LAKE DR, SAINT CLOUD, FL 34769-1620
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 21, 1993 · Amount on Record
Deed Sale	Jun 21, 1993 · Amount on Record
Deed Document Number	0011302614
Record Updated	Jun 08, 2026

Tax Assessment & Valuation

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

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	$1,339.00 (+7.9%) Homeowner's exemption	$117,738 (+5.99%)	$313,200 (-1.85%) Land $65,000 Building $248,200
2023	$1,241.00 (+4.81%) Homeowner's exemption	$111,088 (+3%)	$319,100 (+15.78%) Land $60,000 Building $259,100
2022	$1,184.00 Homeowner's exemption	$107,853	$275,600 Land $55,000 Building $220,600

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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 29 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	35 units insured 6 under condo master policies

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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 · 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.