528 Pine Tree Bridge Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 528 Pine Tree Bridge Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2022
Square Footage	2,091 sqft Heated Area
Lot Size	5,663 sqft (0.13 acres)
Occupancy	Owner Occupied
Last Sale	$430,000 (2022)
Tax Bill	$5,912.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`132630066400010280`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,091 sqft Heated Area
Gross Area	2,840 sqft Gross Area
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2022
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Finished Garage

Exterior Amenities

Fence	Fence
Patio Area	600 sqft Patio
Porch	Open Porch
Porch Area	308 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	528 PINE TREE BRIDGE TRL
City	SAINT CLOUD
State	FL
Zip	34772-6868
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	SOUTHERN PINES PH 4 PB 30 PGS 155-158 LOT 28
Legal Subdivision	SOUTHERN PINES PHS 4 TAYLOR MORRISON HOM
Legal Phase	4
Legal Lot Number	28
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1000
Census Tract	43303

Owner

Source: Osceola County records · APN 132630066400010280

Assessment roll updated July 1, 2025 · Last verified December 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 File
Mailing Address	528 PINE TREE BRIDGE TRL, SAINT CLOUD, FL 34772-6868
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 27, 2022 · Amount on Record
Deed Sale	Dec 27, 2022 · Amount on Record
Deed Doc Number	2022183784
Deed Book / Page	6334 / 2826
Record Refreshed	Jun 08, 2026

December 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 27, 2022
Property Address	528 PINE TREE BRIDGE TRL, SAINT CLOUD, FL 34772-6868
Document Number	0063342826
Book / Page	6334 / 2826
Map Reference	MB 30 PG 155-158
Instrument Date	Dec 16, 2022
Instrument	2022183784
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	INSPIRED TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,010.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2600 LAKE LUCIEN DR STE 350, 350, MAITLAND, FL 32751-7489

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 PINE TREE BRIDGE TRL, SAINT CLOUD, FL 34772-6868

Mortgage

Document Number	0063342828
Date	Dec 27, 2022
Instrument	6334/2828

Lender

Name	HOMETOWN LENDERS INC
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2053

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,912.00 (-9.13%) Homeowner's exemption	$373,200 (+3.29%) Land $75,000 Building $298,200	$373,200 (+3.29%) Land $75,000 Building $298,200
2023	$6,506.00 (+703.21%)	$361,300 (+702.89%) Land $60,000 Building $301,300	$361,300 (+702.89%) Land $60,000 Building $301,300
2022	$810.00	$45,000 Land $45,000	$45,000 Land $45,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft

Wildfire

Wildfire Risk	High above 70% of the US · above 51% of Florida
Wildfire Likelihood	About 1 in 330 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.