505 Ponderosa Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 505 Ponderosa Dr, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,266 sqft · built 1971
Lot Size	0.287 acres (12,502 sqft)
Owner	Owner Name on Record
Last Sale	$165,000 (Oct 2003)
Tax Bill	$1,761 (2025)
Deeds & Mortgages	Nov 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`82504`

Property Details

APN / Parcel Number

Primary APN	`82504`
Alternative APN	`042630090000010460`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,266 sqft Heated Area
Gross Area	3,088 sqft
1st Floor Area	1,370 sqft
Upper Floors Area	896 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1980
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	12,502 sqft (0.287 acres)
Lot Dimensions	125 ft deep x 100 ft wide
Garage Type	Finished
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Porch Area	228 sqft
Deck Area	270 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	82504
Street Address	505 PONDEROSA DR
City	SAINT CLOUD
State	FL
Zip	34769-1657
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1
Legal Description	PINE LAKE ESTATES UNIT 1 PB 2 PG 58 LOT 46 09-26-30
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PINE LAKE ESTATE
Legal Tract	900
Legal Block	1
Legal Lot Number	9,46 9
Legal Unit	1P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1001
Census Tract	43208

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	Owner Name on Record
Mailing Address	505 PONDEROSA DR, SAINT CLOUD, FL 34769-1657
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2003 · Amount on Record
Deed Sale	Oct 13, 2003 · Amount on Record
Deed Document Number	0236000783
Deed Book / Page	02360 / 00783
Record Updated	Jun 8, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	505 PONDEROSA DR, SAINT CLOUD, FL 34769-1657
Document Number	0052762433
Book / Page	005276 / 002433
Instrument Date	Nov 17, 2017
Transaction Type	Mortgage
Record Updated	Feb 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	505 PONDEROSA DR ST CLOUD FL 347691657, ST CLOUD, FL 34769-1657

Mortgage

Document Number	0052762433
Date	Jan 30, 2018
Book Page	005276/002433
Instrument	15340

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 29, 2033

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	$1,761.00 (+7.31%) Homeowner's exemption	$141,290 (+5.99%)	$379,200 (-2.59%) Land $65,000 Building $314,200
2023	$1,641.00 (+4.32%) Homeowner's exemption	$133,310 (+3%)	$389,300 (+16.14%) Land $60,000 Building $329,300
2022	$1,573.00 Homeowner's exemption	$129,428	$335,200 Land $55,000 Building $280,200

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

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 29 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	35 units insured incl. 6 condo units

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	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 350 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
CenturyLink DSL · Fiber in parts of the area	140 / 20

May also be available: Hotwire Communications, T-Mobile, Verizon.

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