Osceola County property record for 4845 Pine Tree Dr, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2003 |
| Square Footage | 2,568 sqft Heated Area |
| Lot Size | 105,459 sqft (2.42 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $40,000 (2002) |
| Tax Bill | $3,481.00 (2025) |
| Primary APN | 98257 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,568 sqft Heated Area |
| Gross Area | 3,643 sqft Gross Area |
| 1st Floor | 2,568 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Wood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Aluminum Siding Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Metal Roof |
| Lot Area | 105,459 sqft (2.42 acres) |
| Parking Spaces | 5 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 1,926 sqft Garage |
| Porch | 1 Porch |
| Porch Area | 547 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 98257 |
|---|---|
| Street Address | 4845 PINE TREE DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8585 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | S L & I C PB B PG 52 E 1/2 OF LOT 63 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 30 |
| Legal Subdivision | ST CLOUD MANOR EST 1 |
| Legal Tract | 4950 |
| Legal Block | 1 |
| Legal Lot Number | 63 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1021 |
| Census Tract | 43304 |
Source: Osceola County records · APN 98257
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 | 4845 PINE TREE DR, SAINT CLOUD, FL 34772-8585 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 29, 2002 · Amount on Record |
| Deed Sale | Apr 29, 2002 · Amount on Record |
| Deed Doc Number | 0020432081 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 03, 2026 |
| Property Address | 4845 PINE TREE DR, SAINT CLOUD, FL 34772-8585 |
| Document Number | 0000071696 |
| Book / Page | 6980 / 1611 |
| Instrument Date | May 26, 2026 |
| Instrument | 202671696 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4845 PINE TREE DR, SAINT CLOUD, FL 34772-8585 |
| Document Number | 0000071696, |
|---|---|
| Date | Jun 03, 2026 |
| Book Page | 6980/1611 |
| Instrument | 202671696 |
| Name | TRUST BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 26, 2056 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| 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 | $3,481.00 (+7.7%) Homeowner's exemption | $240,680 (+5.99%) | $545,200 (+3.24%) Land $122,300 Building $422,900 |
| 2023 | $3,232.00 (+4.39%) Homeowner's exemption | $227,085 (+3%) | $528,100 (+18.62%) Land $122,300 Building $405,800 |
| 2022 | $3,096.00 Homeowner's exemption | $220,471 | $445,200 Land $96,800 Building $348,400 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 58% of the US · above 31% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 490 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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