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5434 Pine Lilly Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5434 Pine Lilly Dr, Saint Cloud, FL 34771 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 2023
Square Footage1,825 sqft Living Area
Lot Size5,662 sqft (0.13 acres)
OccupancyOwner Occupied
Last Sale$402,000 (2023)
Tax Bill$4,705.00 (2025)

Property Details

APN / Parcel Number

Primary APN21-25-31-5277-0001-0030
Alternative APN
  • 253121527700010030

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area1,825 sqft Living Area
Gross Area2,512 sqft Gross Area
1st Floor1,825 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area5,662 sqft (0.13 acres)
Garage TypeAttached Garage
Garage Area438 sqft Garage
Porch Area249 sqft Porch

Utilities and HVAC

Heating SystemHVAC Heating

Location & Zoning

Street Address5434 PINE LILLY DR
CitySAINT CLOUD
StateFL
Zip34771-0120
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionSIENA RESERVE PH 3 PB 32 PGS 186-187 LOT 3
Legal SubdivisionSIENA RESERVE PHASE 3
Legal Lot Number3
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1053
Census Tract43700

Owner

Source: Osceola County records · APN 21-25-31-5277-0001-0030

Assessment roll updated November 26, 2025 · Last verified August 2026

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

Owner of Record2 Individual Names on File
Mailing Address5434 PINE LILLY DR, SAINT CLOUD, FL 34771-0120
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingHusband And Wife

Deeds, Mortgages & Sale History

DateDocument
Jul 07, 2026Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
NONE LISTED ON DOCUMENT
Sep 20, 2024Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
PLANET HOME LENDING LLC
Jun 09, 2023Special Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
HOME SOLUTION LENDERS INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 09, 2023 · Amount on Record
Deed SaleJun 09, 2023 · Amount on Record
Deed Doc Number202374518
Deed Book / Page6422 / 206
Record RefreshedSep 20, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateJul 07, 2026
Property Address5434 PINE LILLY DR, SAINT CLOUD, FL 34771-0120
Document Number0000089088
Book / Page7000 / 1279
Instrument DateMay 27, 2026
Instrument202689088
Transaction TypeMortgage
Record UpdatedJul 15, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address5434 PINE LILLY DR, SAINT CLOUD, FL 34771-0120

Mortgage

Document Number0000089088,
DateJul 07, 2026
Book Page7000/1279
Instrument202689088
Lender
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term324 Months
DueJul 01, 2053
Interest
Rate6.3%
Max Rate-1%

September 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5434 PINE LILLY DR, SAINT CLOUD, FL 34771-0120
Transaction TypeMortgage
Record UpdatedDec 12, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address5434 PINE LILLY DR, SAINT CLOUD, FL 34771-0120

Mortgage

Document Number0066681737
DateSep 20, 2024
Book Page6668/1737
Instrument2024121800
Lender
NamePLANET HOME LENDING LLC
TypeMortgage Company
AddressMERIDEN, CT 06450
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term346 Months
DueJul 01, 2053

June 2023: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 09, 2023
Property Address5434 PINE LILLY DR, SAINT CLOUD, FL 34771-0120
Document Number0064220206
Book / Page6422 / 206
Map ReferenceMB 32 PG 186
Instrument DateJun 07, 2023
Instrument2023074518
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyINNOVATIVE TITLE LLC

Transaction

AmountAmount Recorded
Tax$2,814.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address3020 S FLORIDA AVE STE 101, 101, LAKELAND, FL 33803-4058

Transferred To (Grantee/Buyer)

NameVerified Name
Address5434 PINE LILLY DR, SAINT CLOUD, FL 34771-0120

Mortgage

Document Number0006422208
DateJun 09, 2023
Instrument6422/208
Lender
NameHOME SOLUTION LENDERS INC
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2053

Mortgage

Document Number0064220233
DateJun 09, 2023
Book Page6422/233
Instrument2023074524
Lender
NameHOME SOLUTION LENDERS INC
TypeMortgage Company
Address38830
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2053

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$4,705.00 (+194.25%) Homeowner's exemption$329,074 (+370.11%)$330,700 (+372.43%) Land $75,000 Building $255,700
2023$1,599.00$70,000 Land $70,000$70,000 Land $70,000

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskHigh
above 81% of the US · above 70% of Florida
Wildfire LikelihoodAbout 1 in 157 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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

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