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Single Family ResidenceResidential
$576,684$272 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $583,000 on Apr 1, 2026

4540 PINE TREE DR

SAINT CLOUD, FL 34772
3
Beds
2
Baths
2,124 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
2.22 ac
Lot SizeThe size of the land the home sits on, from county records.
1992
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$577K
$532K low$621K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$583,000 · Apr 1, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,641 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$185,045 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$179,830
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$405,800

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.51
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
42
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
98
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
81
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
24
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.6 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyOSCEOLA
Lot (acres)The size of the land the home sits on, from county records.2.22
ConstructionThe main material the home's frame and walls are built from.Masonry/Concrete Masonry Units (Cmus)
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Package
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 360 ft²

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(1)

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Michigan Avenue Elementary SchoolB-
Elementary · Grades KG–5 · 3.1 mi
H
Harmony High SchoolC+
High · Grades 9–12 · 6.5 mi
M
Harmony Middle SchoolB-
Middle · Grades 6–8 · 6.5 mi

District: Osceola County School District

Neighborhood · ZIP 34772These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.62
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.150
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.23

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.21%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.0%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.53,168
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.398 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$73,594
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$91,405
Average tempThe average temperature here across a full year.72°F
Annual precipHow much rain and melted snow falls here in a typical year.51 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.64%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

4540 Pine Tree Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 91% of homes in Saint Cloud 34772
  • Costs more per square foot than 93% of homes in Saint Cloud 34772
  • Bigger than 70% of homes in Osceola County
  • Has a bigger lot than 98% of homes in Osceola County
  • Older than 88% of homes in Saint Cloud 34772

What homes are worth in Saint Cloud 34772

Each bar is how many homes fall in that price range. The marker is this home.

This home
$271K$826K

This home is worth more than 91% of homes in Saint Cloud 34772.

How it measures up in Saint Cloud 34772

The dot is this home. The mark in the middle is the typical home in Saint Cloud 34772.

Estimated value$576,684
CheaperTypical $388,782Pricier

Pricier than 91% of homes nearby

Price per ft²$272
CheaperTypical $198Pricier

Pricier than 93% of homes nearby

Living area2,124 ft²
SmallerTypical 1,912 ft²Bigger

Bigger than 62% of homes nearby

Lot size2.22 ac
SmallerTypical 0.19 acBigger

Bigger than 91% of homes nearby

Year built1992
OlderTypical 2009Newer

Newer than 12% of homes nearby

How 4540 Pine Tree Dr ranks against every home in each area.
MeasureThis homeSaint Cloud 34772Osceola County
Estimated valuepricier than$576,68491% of homes91% of homes
Price per ft²pricier than$27293% of homes93% of homes
Living areabigger than2,124 ft²62% of homes70% of homes
Lot sizebigger than2.22 ac91% of homes98% of homes
Year builtnewer than199212% of homes25% of homes

About 4540 Pine Tree Dr

How much is 4540 Pine Tree Dr, Saint Cloud, FL worth?

The TopHap Estimate for 4540 Pine Tree Dr, Saint Cloud, FL is $576,684 as of Sep 24, 2026. The likely range is $532,056 to $621,312. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4540 Pine Tree Dr, Saint Cloud, FL last sell?

4540 Pine Tree Dr, Saint Cloud, FL last sold on Apr 1, 2026 for $583,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 4540 Pine Tree Dr, Saint Cloud, FL?

4540 Pine Tree Dr, Saint Cloud, FL has 3 bedrooms, 2 bathrooms, 2,124 square feet of living space and a 2.22-acre lot.

When was 4540 Pine Tree Dr, Saint Cloud, FL built?

4540 Pine Tree Dr, Saint Cloud, FL was built in 1992, making it 34 years old. The building has 1 story.

What schools serve 4540 Pine Tree Dr, Saint Cloud, FL?

4540 Pine Tree Dr, Saint Cloud, FL is assigned to Michigan Avenue Elementary School (elementary), rated B-; Harmony High School (high), rated C+; Harmony Middle School (middle), rated B-. All sit in Osceola County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4540 Pine Tree Dr, Saint Cloud, FL compare to other homes in Saint Cloud 34772?

Among the 14,064 homes in Saint Cloud 34772, it is worth more than 91% of them ($576,684 against a typical $388,782), its price per square foot is higher than 93% of them ($272 against a typical $198), it is bigger than 62% of them (2,124 ft² against a typical 1,912 ft²), its lot is bigger than 91% of them (2.22 ac against a typical 0.19 ac) and it is newer than 12% of them (1992 against a typical 2009). Measured against all of Osceola County, it is worth more than 91% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 4540 Pine Tree Dr, Saint Cloud, FL?

The 2025 property tax bill for 4540 Pine Tree Dr, Saint Cloud, FL was $2,641. The county assessed it at $185,045.

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