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5438 Pine Lilly Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5438 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 Footage1,990 sqft Living Area
Lot Size5,662 sqft (0.13 acres)
OccupancyOwner Occupied
Last Sale$425,200 (2023)
Tax Bill$4,958.00 (2025)

Property Details

APN / Parcel Number

Primary APN21-25-31-5277-0001-0040
Alternative APN
  • 253121527700010040

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area1,990 sqft Living Area
Gross Area2,732 sqft Gross Area
1st Floor1,990 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 Area504 sqft Garage
Porch Area238 sqft Porch

Utilities and HVAC

Heating SystemHVAC Heating

Location & Zoning

Street Address5438 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 4
Legal SubdivisionSIENA RESERVE PHASE 3
Legal Lot Number4
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1053
Census Tract43700

Owner

Source: Osceola County records · APN 21-25-31-5277-0001-0040

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 Address5438 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
Aug 06, 2026Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
MORTGAGE CONNECT
Feb 25, 2025Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
FREEDOM MORTGAGE CORP
Jun 09, 2023Special Warranty Deed, Transfer
INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC

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 Number202374523
Deed Book / Page6422 / 231
Record RefreshedSep 20, 2026

August 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateAug 06, 2026
Property Address5438 PINE LILLY DR, SAINT CLOUD, FL 34771-0120
Document Number0000102873
Book / Page7016 / 393
Instrument DateJul 10, 2026
Instrument2026102873
Transaction TypeMortgage
Record UpdatedAug 17, 2026
Title CompanyMORTGAGE CONNECT

Transferred To (Grantee/Buyer)

NameVerified Name
Address5438 PINE LILLY DR, SAINT CLOUD, FL 34771-0120

Mortgage

Document Number0000102873,
DateAug 06, 2026
Book Page7016/393
Instrument2026102873
Lender
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term323 Months
DueJul 01, 2053
Interest
Rate6.52%
Max Rate-1%

February 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5438 PINE LILLY DR, SAINT CLOUD, FL 34771-0120
Transaction TypeMortgage
Record UpdatedDec 12, 2025
Title CompanyMORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

NameVerified Name
Address5438 PINE LILLY DR, SAINT CLOUD, FL 34771-0120

Mortgage

Document Number0067442494
DateFeb 25, 2025
Book Page6744/2494
Instrument2025023676
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term341 Months
DueJul 01, 2053

June 2023: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 09, 2023
Property Address5438 PINE LILLY DR, SAINT CLOUD, FL 34771-0120
Document Number0064220231
Book / Page6422 / 231
Map ReferenceMB 32 PG 186&187
Instrument DateJun 07, 2023
Instrument2023074523
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyINNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC

Transaction

AmountAmount Recorded
Tax$2,976.40
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
Address5438 PINE LILLY DR, SAINT CLOUD, FL 34771-0120

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

YearTax BillAssessed ValueAssessed Market Value
2025$4,958.00 Homeowner's exemption$347,300 Land $75,000 Building $272,300$347,300 Land $75,000 Building $272,300

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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