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4895 Shady Pines Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4895 Shady Pines Dr, Saint Cloud, FL 34772

Property Summary

Property TypeVacant Land
Lot Size0.14 acres (6,098 sqft)
Owner2 Individual Names on File
Last Sale$509,000 (Apr 2026)
Tax Bill$2,829 (2025)
Deeds & MortgagesApr 2026 Sale & Mortgage
Apr 2026 Sale & Mortgage
+ 2 more
Flood ZoneZone X (moderate risk)
APN21-26-30-3649-0001-4000

Property Details

APN / Parcel Number

Primary APN21-26-30-3649-0001-4000
Alternative APN
  • 263021364900014000

Exterior

Lot Area6,098 sqft (0.14 acres)

Location & Zoning

Street Address4895 SHADY PINES DR
CitySAINT CLOUD
StateFL
Zip34772-6355
Property CategoryVacant Land
Property TypeVacant Land > Uncategorized
Legal DescriptionHAVENFIELD AT CROSS PRAIRIE PH 2 PB 34 PGS 102-106 LOT 400
Legal SubdivisionHAVENFIELD AT CROSS PRAIRIEPHASE 2
Legal Lot Number400
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1011
Census Tract43209

Owner

Source: Osceola County records, as of July 6, 2026

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

Owner of Record2 Individual Names on File
Mailing Address4895 SHADY PINES DR, SAINT CLOUD, FL 34772-6355
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Apr 23, 2026Special Warranty Deed, Transfer · Conventional Mortgage
ROCKET MORTGAGE LLC
Apr 23, 2026Special Warranty Deed, Transfer · Conventional Mortgage
ROCKET MORTGAGE LLC
Sep 3, 2025Quit Claim Deed, Transfer
Quitclaim
Aug 22, 2025Special Warranty Deed, Transfer
UNKNOWN, CLEAR TITLE OF FLORIDA LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 23, 2026 · Amount on File
Deed SaleApr 23, 2026 · Amount on File
Deed Document Number202654035
Deed Book / Page6960 / 773
Record UpdatedSep 20, 2026

April 2026: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 23, 2026
Property Address4895 SHADY PINES DR, SAINT CLOUD, FL 34772-6355
Document Number0000054035
Book / Page6960 / 773
Instrument DateApr 1, 2026
Instrument2026.54035
Transaction TypeTransfer
Record UpdatedMay 4, 2026
Title CompanyCLEAR TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$359,863.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4895 SHADY PINES DR, SAINT CLOUD, FL 34772-6355

Mortgage

Document Number0000054036,
DateApr 23, 2026
Instrument2026..54036
Lender
NameROCKET MORTGAGE LLC
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term240 Months
DueApr 1, 2046
Interest
Rate TypeFixed Rate
Rate6.11%
Initial TypeFixed Rate
Max Rate-1%

April 2026: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 23, 2026
Property Address4895 SHADY PINES DR, SAINT CLOUD, FL 34772-6355
Document Number0069600773
Book / Page6960 / 773
Instrument DateApr 1, 2026
Instrument202654035
Transaction TypeTransfer
Record UpdatedJul 6, 2026
Title CompanyCLEAR TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$359,863.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4895 SHADY PINES DR, SAINT CLOUD, FL 34772-6355

Mortgage

Document Number0000054036,
DateApr 23, 2026
Instrument202654036
Lender
NameROCKET MORTGAGE LLC
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term240 Months
DueApr 1, 2046
Interest
Rate TypeFixed Rate
Rate6.11%
Initial TypeFixed Rate
Max Rate-1%

September 2025: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateSep 3, 2025
Property Address4895 SHADY PINES DR, SAINT CLOUD, FL 34772-6355
Document Number0068440842
Book / Page6844 / 842
Map ReferenceMB 34 PG 102-106
Instrument DateAug 29, 2025
Instrument2025109758
Transaction TypeTransfer
Record UpdatedDec 12, 2025

Transaction

AmountAmount on Record
Tax$2,447.90
Amount AccuracyRounded by County
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address4874 SHADY PINES DR, SAINT CLOUD, FL 34772-6354

Transferred To (Grantee/Buyer)

NameVerified Name
Address4083 ISABELLA CIR, WINDERMERE, FL 34786-9530

August 2025: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 22, 2025
Property Address4895 SHADY PINES DR, SAINT CLOUD, FL 34772-6355
Document Number0068392353
Book / Page6839 / 2353
Map ReferenceMB 34 PG 102-106
Instrument DateAug 15, 2025
Instrument2025105790
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyUNKNOWN, CLEAR TITLE OF FLORIDA LLC

Transaction

AmountAmount on Record
Tax$4,194.40
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address283 CRANES ROOST BLVD STE 250, 250, ALTAMONTE SPRINGS, FL 32701-3546

Transferred To (Grantee/Buyer)

NameVerified Name
Address4853 RAIN SHADOW DR, SAINT CLOUD, FL 34772-6353

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,829.00 (+3.36%)$65,000 Land $65,000$65,000 Land $65,000
2024$2,737.00

Assessed value is set for property tax purposes, not a market price estimate; it is 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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 136 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies136 in force
Nearby Flood Claims4 (2011–2022)
Claims Outside the SFHA1 of 4
Most Recent ClaimOct 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

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

Wildfire RiskHigh
above 87% of the US · above 80% of Florida
Wildfire Likelihood0.6% annual chance
ExposureDirect
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 SystemTOHO WATER AUTHORITY-POINCIANA SYSTEM
public/private · serves 69,447 people · EPA ID FL3494429
Water SourceGroundwater
Last State InspectionMar 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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

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