Osceola County property record for 4970 Shady Pines Dr, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,888 sqft · built 2023 |
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | Company Name on File |
| Last Sale | $423,500 (Mar 2024) |
| Tax Bill | $8,464 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 212630364400013550 |
| Primary APN | 212630364400013550 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,888 sqft Heated Area |
| Gross Area | 2,579 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.139 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Porch Area | 250 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4970 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 355 |
| Legal Lot Number | 355 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 43209 |
4970 Shady Pines Dr is owned by a company that bought it in March 2024 and is owner-occupied.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 4970 SHADY PINES DR, SAINT CLOUD, FL 34772-6314 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 18, 2024 · Amount on File |
| Deed Sale | Mar 18, 2024 · Amount on File |
| Deed Document Number | 2024034372 |
| Deed Book / Page | 6566 / 1400 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4970 SHADY PINES DR, SAINT CLOUD, FL 34772-6314 |
| Transaction Type | Mortgage |
| Record Updated | May 16, 2024 |
| Name | Verified Name |
|---|---|
| Address | 2772 GREENLANDS ST, SAINT CLOUD, FL 34772-7854 |
| Document Number | 0065661402 |
|---|---|
| Date | Mar 18, 2024 |
| Book Page | 6566/1402 |
| Instrument | 2024034373 |
| Name | NORTHPOINT MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | 198 CHARLTON RD # 22, STURBRIDGE, MA 01566 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2054 |
The 2025 property tax bill for 4970 Shady Pines Dr was $8,464.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,464.00 | $379,600 Land $65,000 Building $314,600 | $379,600 Land $65,000 Building $314,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4970 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 |
|
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 risk around 4970 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.
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 |
| 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.
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 |
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