4848 Shady Pines Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4848 Shady Pines Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,610 sqft · built 2024
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$415,200 (Dec 2024)
Tax Bill	$7,170 (2025)
Deeds & Mortgages	Dec 2024 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`21-26-30-3649-0001-4190`

Property Details

APN / Parcel Number

Primary APN	`21-26-30-3649-0001-4190`
Alternative APN	`263021364900014190`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,610 sqft Living Area
Gross Area	2,125 sqft
1st Floor Area	1,610 sqft
Flooring	Tile

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	439 sqft
Porch	Finished/Open Porch
Porch Area	76 sqft
Patio Area	92 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	4848 SHADY PINES DR
City	SAINT CLOUD
State	FL
Zip	34772-6354
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAVENFIELD AT CROSS PRAIRIE PH 2 PB 34 PGS 102-106 LOT 419
Legal Subdivision	HAVENFIELD AT CROSS PRAIRIEPHASE 2
Legal Lot Number	419
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1011
Census Tract	43209

Owner

4848 Shady Pines Dr is owned and occupied by an individual who bought it in December 2024.

Source: Osceola County records, as of June 29, 2026

Owner of Record	Individual Name on File
Mailing Address	4848 SHADY PINES DR, SAINT CLOUD, FL 34772-6354
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2024 · Amount on File
Deed Sale	Dec 11, 2024 · Amount on File
Deed Document Number	2024155571
Deed Book / Page	6708 / 1619
Record Updated	Sep 20, 2026

December 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 11, 2024
Property Address	4848 SHADY PINES DR, SAINT CLOUD, FL 34772-6354
Document Number	0067081619
Book / Page	6708 / 1619
Map Reference	MB 34 PG 102-106
Instrument Date	Nov 22, 2024
Instrument	2024155571
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	UNKNOWN, CLEAR TITLE OF FLORIDA LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,906.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	283 CRANES ROOST BLVD #250250, 250250, PORTSMOUTH, VA 23701

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4848 SHADY PINES DR, SAINT CLOUD, FL 34772-6354

Mortgage

Document Number	2024155572
Date	Dec 11, 2024
Instrument	2024155572

Lender

Name	NORTHPOINT MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 4848 Shady Pines Dr was $7,170, up 162% from the year before.

Source: Osceola County assessment roll, as of November 26, 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	$7,170.00 (+161.97%)	$350,400 Land $65,000 Building $285,400	$350,400 Land $65,000 Building $285,400
2024	$2,737.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4848 Shady Pines Dr in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 136 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	136 in force
Nearby Flood Claims	4 (2011–2022)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 claims

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

Wildfire risk around 4848 Shady Pines Dr is high, ranking above 87% of the US, with a 0.6% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 87% of the US · above 80% of Florida
Wildfire Likelihood	0.6% 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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 112 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Spectrum Fiber	1,000 / 1,000
AT&T Fixed Wireless	100 / 20