Osceola County property record for 1020 Cypress Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,453 sqft · built 1913 |
| Lot Size | 0.618 acres (26,920 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $239,000 (Jul 2015) |
| Tax Bill | $3,731 (2025) |
| Deeds & Mortgages | Apr 2026 Sale Apr 2026 Sale + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 01-26-30-0650-0001-0520 |
| Primary APN | 01-26-30-0650-0001-0520 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,453 sqft Living Area |
| Gross Area | 2,930 sqft |
| 1st Floor Area | 2,453 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1913 |
|---|---|
| Effective Year Built | Effective 1983 |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 26,920 sqft (0.618 acres) |
| Lot Dimensions | 150 ft deep x 120 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 392 sqft |
| Porch | Florida Room |
| Porch Area | 1,314 sqft |
| Deck Area | 2,008 sqft |
| Patio Area | 240 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1020 CYPRESS AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2339 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | ST CLOUD BLVD LOTS PB B PG 61-64 W 20 FT OF S 150 FT OF LOT 51 & S 150 FT OF LOT 52 AND THE S 112 FT OF THE E 80 FT OF LOT 51 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | LAKE FRONT ADD TO TOWN OF ST CLOUD |
| Legal Tract | 650 |
| Legal Block | 520 |
| Legal Lot Number | 52 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 43500 |
Source: Osceola County records, as of July 6, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1020 CYPRESS AVE, SAINT CLOUD, FL 34769-2339 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Apr 28, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Apr 28, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Oct 20, 2023 | Quit Claim Deed, Transfer Quitclaim |
| May 10, 2021 | Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NATIONAL ASSOCIATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 15, 2015 · Amount on Record |
| Deed Sale | Jul 15, 2015 · Amount on Record |
| Prior Sale | Aug 19, 2013 · Amount on Record |
| Deed Document Number | 2015101174 |
| Deed Book / Page | 4809 / 1378 |
| Last Transfer Date | Oct 12, 2023 |
| Transfer Doc | 0064930572 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 28, 2026 |
| Property Address | 1020 CYPRESS AVE, SAINT CLOUD, FL 34769-2339 |
| Document Number | 0000055968 |
| Book / Page | 6962 / 1368 |
| Instrument Date | Apr 28, 2026 |
| Instrument | 2026.55968 |
| Transaction Type | Transfer |
| Record Updated | May 7, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 1020 CYPRESS AVE, SAINT CLOUD, FL 34769-2339 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 28, 2026 |
| Property Address | 1020 CYPRESS AVE, SAINT CLOUD, FL 34769-2339 |
| Document Number | 0069621368 |
| Book / Page | 6962 / 1368 |
| Instrument Date | Apr 28, 2026 |
| Instrument | 202655968 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 1020 CYPRESS AVE, SAINT CLOUD, FL 34769-2339 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 20, 2023 |
| Property Address | 1020 CYPRESS AVE, SAINT CLOUD, FL 34769-2339 |
| Document Number | 0064930572 |
| Book / Page | 6493 / 572 |
| Map Reference | MB B PG 61-64 |
| Instrument Date | Oct 12, 2023 |
| Instrument | 2023138654 |
| Transaction Type | Transfer |
| Record Updated | Nov 14, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1020 CYPRESS AVE, SAINT CLOUD, FL 34769-2339 |
| Name | Verified Name |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1020 CYPRESS AVE, SAINT CLOUD, FL 34769-2339 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2021 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 1020 CYPRESS AVE, SAINT CLOUD, FL 34769-2339 |
| Document Number | 0059540672 |
|---|---|
| Date | May 10, 2021 |
| Book Page | 5954/672 |
| Instrument | 2021071285 |
| Name | SOUTH STATE BANK NATIONAL ASSOCIATION |
|---|---|
| Type | Bank |
| Address | SAINT CLOUD, FL 34771 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Apr 7, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,731.00 (+3.5%) | $251,354 (+5.99%) | $396,000 (+24.76%) Land $75,000 Building $321,000 |
| 2024 | $3,605.00 (+2.65%) | ||
| 2023 | $3,512.00 (+3.6%) Homeowner's exemption | $237,157 (+3%) | $317,400 (+18.43%) Land $65,000 Building $252,400 |
| 2022 | $3,390.00 Homeowner's exemption | $230,250 | $268,000 Land $55,000 Building $213,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 61.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 40 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 40 in force |
| Nearby Flood Claims | 3 (1995–2022) |
| Claims Outside the SFHA | 2 of 3 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 330 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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