Osceola County property record for 1401 Cypress Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,176 sqft · built 1989 |
| Lot Size | 0.211 acres (9,191 sqft) |
| Owner | Individual Name on File |
| Last Sale | $396,000 (Mar 2024) |
| Tax Bill | $4,288 (2025) |
| Deeds & Mortgages | Mar 2024 Sale & Mortgage Dec 2023 Transfer + 5 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 01-26-30-0001-0436-0070 |
| Primary APN | 01-26-30-0001-0436-0070 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,176 sqft Living Area |
| Gross Area | 1,620 sqft |
| 1st Floor Area | 1,176 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Custom Design |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,191 sqft (0.211 acres) |
| Lot Dimensions | 102 ft deep x 87.5 ft wide |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Metal Porch |
|---|---|
| Porch Area | 244 sqft |
| Shed | 1 Shed |
| Shed Area | 60 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1401 CYPRESS AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2344 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | LAKE VIEW PK RESUB PB 1 PG 159 BLK 436 E 87.46 FT OF LOTS 6 & 7 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 436 |
| Legal Lot Number | 7 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 43500 |
Source: Osceola County records · APN 01-26-30-0001-0436-0070
Assessment roll updated November 26, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 172 CLUB VILLAS LN, KISSIMMEE, FL 34744-8439 |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Mar 04, 2024 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE EQUITY PARTNERS LLC |
| Dec 01, 2023 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Jan 05, 2024 | Intrafamily Transfer, Transfer |
| Apr 11, 2023 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE EQUITY PARTNERS LLC |
| Oct 11, 2022 | Warranty Deed, Transfer · Conventional Mortgage LOW VA RATES LLC |
| Jan 12, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| Apr 20, 2021 | Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 04, 2024 · Amount on Record |
| Deed Sale | Mar 04, 2024 · Amount on Record |
| Prior Sale | Apr 11, 2023 · Amount on Record |
| Deed Document Number | 202427760 |
| Deed Book / Page | 6558 / 2602 |
| Prior Transfer Date | Nov 21, 2023 |
| Prior Transfer Doc | 0065291270 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 04, 2024 |
| Property Address | 1401 CYPRESS AVE, SAINT CLOUD, FL 34769-2344 |
| Document Number | 0065582602 |
| Book / Page | 6558 / 2602 |
| Map Reference | MB 1 PG 159 |
| Instrument Date | Feb 26, 2024 |
| Instrument | 2024027760 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2024 |
| Title Company | SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,772.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1401 CYPRESS AVE, SAINT CLOUD, FL 34769-2344 |
| Name | Verified Name |
|---|---|
| Address | 172 CLUB VILLAS LN, KISSIMMEE, FL 34744-8439 |
| Document Number | 0065582606 |
|---|---|
| Date | Mar 04, 2024 |
| Book Page | 6558/2606 |
| Instrument | 2024027761 |
| Name | MORTGAGE EQUITY PARTNERS LLC |
|---|---|
| Type | Mortgage Company |
| Address | 220 BROADWAY STE 205, LYNNFIELD, MA 01940 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2054 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 01, 2023 |
| Property Address | 1401 CYPRESS AVE, SAINT CLOUD, FL 34769-2344 |
| Document Number | 0065121653 |
| Book / Page | 6512 / 1653 |
| Map Reference | MB 1 PG 159 |
| Instrument Date | Nov 21, 2023 |
| Instrument | 2023156919 |
| Transaction Type | Transfer |
| Record Updated | Dec 20, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1401 CYPRESS AVE, SAINT CLOUD, FL 34769-2344 |
| Name | Verified Name |
|---|---|
| Address | 1401 CYPRESS AVE, SAINT CLOUD, FL 34769-2344 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 05, 2024 |
| Property Address | 1401 CYPRESS AVE, SAINT CLOUD, FL 34769-2344 |
| Document Number | 0065291270 |
| Book / Page | 6529 / 1270 |
| Map Reference | MB 6512 PG 1653 |
| Instrument Date | Nov 21, 2023 |
| Instrument | 2024001665 |
| Transaction Type | Transfer |
| Record Updated | Jan 25, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1401 CYPRESS AVE, SAINT CLOUD, FL 34769-2344 |
| Name | Verified Name |
|---|---|
| Address | 1401 CYPRESS AVE, SAINT CLOUD, FL 34769-2344 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 11, 2023 |
| Property Address | 1401 CYPRESS AVE, SAINT CLOUD, FL 34769-2344 |
| Document Number | 0063840397 |
| Book / Page | 6384 / 397 |
| Map Reference | MB 1 PG 159 |
| Instrument Date | Apr 07, 2023 |
| Instrument | 2023040175 |
| Transaction Type | Transfer |
| Record Updated | May 05, 2023 |
| Title Company | ALL FLORIDA TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,555.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3900 GEORGETOWN CIR, ALGONQUIN, IL 60102-6206 |
| Name | Verified Name |
|---|---|
| Address | 2401 CYPRESS AVENUE, SAINT CLOUD, FL 34769 |
| Document Number | 0063840399 |
|---|---|
| Date | Apr 11, 2023 |
| Book Page | 6384/399 |
| Instrument | 2023040176 |
| Name | MORTGAGE EQUITY PARTNERS LLC |
|---|---|
| Type | Mortgage Company |
| Address | LYNNFIELD, MA 01940 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 11, 2022 |
| Property Address | 1401 CYPRESS AVE, SAINT CLOUD, FL 34769-2344 |
| Document Number | 0062972943 |
| Book / Page | 6297 / 2943 |
| Map Reference | MB 1 PG 159 |
| Instrument Date | Oct 06, 2022 |
| Instrument | 2022150872 |
| Transaction Type | Transfer |
| Record Updated | Oct 25, 2022 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,485.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1401 CYPRESS AVE, 1401, SAINT CLOUD, FL 34769-2344 |
| Name | Verified Name |
|---|---|
| Address | 12431 NATURE EAST DR APT 310, 310, ORLANDO, FL 32828-7992 |
| Document Number | 0062972944 |
|---|---|
| Date | Oct 11, 2022 |
| Instrument | 6297/2944 |
| Name | LOW VA RATES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1401 CYPRESS AVE, SAINT CLOUD, FL 34769-2344 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2022 |
| Title Company | ADVANTAGEONE TITLE, ADVANTAGE TITLE |
| Name | Verified Name |
|---|---|
| Address | 1401 CYPRESS AVE, SAINT CLOUD, FL 34769-2344 |
| Document Number | 0061272178 |
|---|---|
| Date | Jan 12, 2022 |
| Book Page | 6127/2178 |
| Instrument | 2022006331 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 20, 2021 |
| Property Address | 1401 CYPRESS AVE, SAINT CLOUD, FL 34769-2344 |
| Document Number | 0059390647 |
| Book / Page | 5939 / 647 |
| Map Reference | MB 1 PG 159 |
| Instrument Date | Apr 16, 2021 |
| Instrument | 2021059407 |
| Transaction Type | Transfer |
| Record Updated | Jun 10, 2021 |
| Title Company | PUBLIC TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,925.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 701505, SAINT CLOUD, FL 34770-1505 |
| Name | Verified Name |
|---|---|
| Address | 1401 CYPRESS AVE, SAINT CLOUD, FL 34769-2344 |
| Document Number | 5939649 |
|---|---|
| Date | Apr 20, 2021 |
| Instrument | 5939/649 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2051 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,288.00 (+21.13%) | $282,469 (+2.46%) | $307,900 (+11.68%) Land $60,000 Building $247,900 |
| 2024 | $3,540.00 (-28.76%) | ||
| 2023 | $4,969.00 (+88.22%) | $275,700 (+45.77%) Land $55,000 Building $220,700 | $275,700 (+12.35%) Land $55,000 Building $220,700 |
| 2022 | $2,640.00 Homeowner's exemption Disabled Person's exemption | $189,134 | $245,400 Land $50,000 Building $195,400 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 17 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 1 (1994) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Nov 1994 · rainfall accumulation |
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 306 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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