6316 Sprucepine Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6316 Sprucepine Ln, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,207 sqft · built 2022
Lot Size	0.11 acres (4,791 sqft)
Owner	Individual Name on Record
Last Sale	$390,000 (Aug 2022)
Tax Bill	$5,235 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Dec 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-26-31-4723-0001-0100`

Property Details

APN / Parcel Number

Primary APN	`14-26-31-4723-0001-0100`
Alternative APN	`263114472300010100`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,207 sqft Living Area
Gross Area	2,780 sqft
1st Floor Area	1,155 sqft
Flooring	Tile

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	L-Shape
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,791 sqft (0.11 acres)
Garage Type	Detached
Garage Area	441 sqft
Porch	Slab
Porch Area	132 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	6316 SPRUCEPINE LN
City	SAINT CLOUD
State	FL
Zip	34771-8947
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINE GLEN PB 31 PGS 28-34 LOT 10
Legal Range	31E
Legal Township	26S
Legal Section	14
Legal Subdivision	PINE GLEN
Legal Lot Number	10
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1000
Census Tract	43802

Owner

Source: Osceola County records, as of July 14, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	6316 SPRUCEPINE LN, SAINT CLOUD, FL 34771-8947
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2024	Deed of Trust, Mortgage PENNYMAC LOAN SERVICES LLC
Dec 29, 2023	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LENNAR MORTGAGE LLC
Aug 17, 2022	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage LENNAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2022 · Amount on Record
Deed Sale	Aug 17, 2022 · Amount on Record
Deed Document Number	2022126214
Deed Book / Page	6270 / 1262
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6316 SPRUCEPINE LN, SAINT CLOUD, FL 34771-8947
Transaction Type	Mortgage
Record Updated	Mar 28, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6316 SPRUCEPINE LN, SAINT CLOUD, FL 34771-8947

Mortgage

Document Number	0065612850
Date	Mar 7, 2024
Book Page	6561/2850
Instrument	2024030373

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	6101 CONDOR DR # 200, MOORPARK, CA 93021

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2054

December 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 29, 2023
Property Address	6316 SPRUCEPINE LN, SAINT CLOUD, FL 34771-8947
Document Number	0065270785
Book / Page	6527 / 785
Map Reference	MB 33 PG 61
Instrument Date	Dec 27, 2023
Instrument	2023169384
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 25, 2024
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,430.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6675 WESTWOOD BLVD # BLVD5TH, BLVD5TH, ORLANDO, FL 32821-8061

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 PINES LAKE DR W, WAYNE, NJ 07470-6159

Mortgage

Document Number	0006527789
Date	Dec 29, 2023
Instrument	6527/789

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

August 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 17, 2022
Property Address	6316 SPRUCEPINE LN, SAINT CLOUD, FL 34771-8947
Document Number	0062701262
Book / Page	6270 / 1262
Map Reference	MB 31 PG 29
Instrument Date	Jul 28, 2022
Instrument	2022126214
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 25, 2024
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,730.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6675 WESTWOOD BLVD # BLVD5TH, BLVD5TH, ORLANDO, FL 32821-8061

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6316 SPRUCEPINE LN, SAINT CLOUD, FL 34771-8947

Mortgage

Document Number	0062701266
Date	Aug 17, 2022
Book Page	6270/1266
Instrument	2022126215

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company
Address	MIAMI, FL 33126

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,235.00 (-6.6%)	$326,400 (-8.55%) Land $68,200 Building $258,200	$326,400 (-8.55%) Land $68,200 Building $258,200
2023	$5,605.00 (+629.82%)	$356,900 (+548.91%) Land $77,000 Building $279,900	$356,900 (+548.91%) Land $77,000 Building $279,900
2022	$768.00	$55,000 Land $55,000	$55,000 Land $55,000

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

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 110 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	110 in force
Nearby Flood Claims	1 (2022)
Most Recent Claim	Sep 2022 · Hurricane Ian

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	Moderate above 64% of the US · above 41% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 173 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Verizon, Xfinity.

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