4946 Shady Pines Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4946 Shady Pines Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 2,875 sqft · built 2024
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$550,000 (Dec 2025)
Tax Bill	$10,458 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`212630364400013510`

Property Details

APN / Parcel Number

Primary APN	`212630364400013510`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,875 sqft Heated Area
Gross Area	3,601 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Finished
Porch	Open Porch
Porch Area	145 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	4946 SHADY PINES DR
City	SAINT CLOUD
State	FL
Zip	34772-6314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAVENFIELD AT CROSS PRAIRIE PB 33 PGS 6-10 LOT 351
Legal Lot Number	351
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1011
Census Tract	43209

Owner

4946 Shady Pines Dr is owned and occupied by an individual who bought it in December 2025.

Source: Osceola County records, as of December 23, 2025

Owner of Record	Individual Name on File
Mailing Address	4946 SHADY PINES DR, SAINT CLOUD, FL 34772-6314
Occupancy	Owner Occupied
Owner Type	Individual

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 12, 2025 · Amount on File
Deed Sale	Dec 12, 2025 · Amount on File
Deed Document Number	2025152131
Deed Book / Page	6892 / 2872
Record Updated	Jun 8, 2026

December 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 12, 2025
Property Address	4946 SHADY PINES DR, SAINT CLOUD, FL 34772-6314
Document Number	0068922872
Book / Page	6892 / 2872
Map Reference	MB 33 PG 6-10
Instrument Date	Dec 4, 2025
Instrument	2025152131
Transaction Type	Transfer
Record Updated	Dec 24, 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	$3,850.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	283 CRANES ROOST BLVD STE 250, 250, ALTAMONTE SPRINGS, FL 32701-3546

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4946 SHADY PINES DR, SAINT CLOUD, FL 34772-6314

Mortgage

Document Number	0068922877
Date	Dec 12, 2025
Instrument	6892/2877

Lender

Name	STG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Tax Assessment & Valuation

The 2025 property tax bill for 4946 Shady Pines Dr was $10,458.

Source: Osceola County assessment roll, as of July 1, 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	$10,458.00	$491,000 Land $65,000 Building $426,000	$491,000 Land $65,000 Building $426,000

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

Flood

FEMA maps place 4946 Shady Pines Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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 4946 Shady Pines Dr is high, ranking above 82% 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 82% of the US · above 72% 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