5043 Shady Pines Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5043 Shady Pines Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,260 sqft · built 2024
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$534,990 (Apr 2024)
Tax Bill	$8,922 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`212630364500010440`

Property Details

APN / Parcel Number

Primary APN	`212630364500010440`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,260 sqft Heated Area
Gross Area	3,161 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Finished

Exterior Amenities

Porch	Open Porch
Porch Area	436 sqft
Patio Area	975 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5043 SHADY PINES DR
City	SAINT CLOUD
State	FL
Zip	34772-6345
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EDEN AT CROSS PRAIRIE PB 33 PGS 37-42 LOT 44
Legal Lot Number	44
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1011
Census Tract	43209

Owner

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	5043 SHADY PINES DR, SAINT CLOUD, FL 34772-6345
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2024 · Amount on Record
Deed Sale	Apr 22, 2024 · Amount on Record
Deed Document Number	2024051724
Deed Book / Page	6586 / 2222
Record Updated	Jun 8, 2026

April 2024: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 22, 2024
Property Address	5043 SHADY PINES DR, SAINT CLOUD, FL 34772-6345
Document Number	0065862222
Book / Page	6586 / 2222
Map Reference	MB 33 PG 37-42
Instrument Date	Apr 19, 2024
Instrument	2024051724
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	M/I TITLE AGENCY LIMITED LC, M I TITLE AGENCY LTD LC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,745.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 INTERNATIONAL PKWY STE 470, 470, LAKE MARY, FL 32746-5054

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5043 SHADY RINES DRIVE, SAINT CLOUD, FL 34772-6345

Mortgage

Document Number	0065862224
Date	Apr 22, 2024
Instrument	6586/2224

Lender

Name	MI FINANCIAL LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

Tax Assessment & Valuation

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	$8,922.00 (+255.6%)	$405,200 (+575.33%) Land $65,000 Building $340,200	$405,200 (+575.33%) Land $65,000 Building $340,200
2024	$2,509.00	$60,000 Land $60,000	$60,000 Land $60,000

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 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 Record 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

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

Wildfire Risk	High above 86% of the US · above 78% 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