Osceola County property record for 5049 Shady Pines Dr, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,139 sqft · built 2024 |
| Lot Size | 0.16 acres (6,969 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $680,520 (Feb 2024) |
| Tax Bill | $6,934 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Feb 2024 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 21-26-30-3645-0001-0430 |
| Primary APN | 21-26-30-3645-0001-0430 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,139 sqft Living Area |
| Gross Area | 4,178 sqft |
| 1st Floor Area | 1,327 sqft |
| Flooring | Tile |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,969 sqft (0.16 acres) |
| Garage Type | Attached |
| Garage Area | 579 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 310 sqft |
| Heating System | HVAC |
|---|
| Street Address | 5049 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 43 |
| Legal Subdivision | EDEN AT CROSS PRAIRIE |
| Legal Lot Number | 43 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 43209 |
Source: Osceola County records, as of September 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 5049 SHADY PINES DR, SAINT CLOUD, FL 34772-6345 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Sep 12, 2025 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Feb 7, 2024 | Warranty Deed, Subdivision Related Transfer · VA Mortgage M/I FINANCIAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 7, 2024 · Amount on Record |
| Deed Sale | Feb 7, 2024 · Amount on Record |
| Deed Document Number | 202416243 |
| Deed Book / Page | 6546 / 278 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5049 SHADY PINES DR, SAINT CLOUD, FL 34772-6345 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | WORLD WIDE LAND TRANSFER INC, WORLD WIDE LAND TRANSFER |
| Name | Verified Name |
|---|---|
| Address | 5049 SHADY PINES DR, SAINT CLOUD, FL 34772-6345 |
| Document Number | 0068480401 |
|---|---|
| Date | Sep 12, 2025 |
| Book Page | 6848/401 |
| Instrument | 2025113276 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 341 Months |
| Due | Feb 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 7, 2024 |
| Property Address | 5049 SHADY PINES DR, SAINT CLOUD, FL 34772-6345 |
| Document Number | 0065460278 |
| Book / Page | 6546 / 278 |
| Map Reference | MB 33 PG 37 |
| Instrument Date | Jan 31, 2024 |
| Instrument | 2024016243 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | M/I TITLE AGENCY LIMITED LC, M I TITLE AGENCY LTD LC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,764.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 400 INTERNATIONAL PKWY STE 470, 470, LAKE MARY, FL 32746-5054 |
| Name | Verified Name |
|---|---|
| Address | 5049 SHADY PINES DR, SAINT CLOUD, FL 34772-6345 |
| Document Number | 0006546280 |
|---|---|
| Date | Feb 7, 2024 |
| Instrument | 6546/280 |
| Name | M/I FINANCIAL LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2054 |
Source: Osceola County assessment roll, as of November 26, 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 | $6,934.00 (+210.66%) | $337,186 (+787.33%) | $493,900 (+1,199.74%) Land $65,000 Building $428,900 |
| 2023 | $2,232.00 | $38,000 Land $38,000 | $38,000 Land $38,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|
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.
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.
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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