Osceola County property record for 1904 Cypress Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,404 sqft · built 1974 |
| Lot Size | 0.319 acres (13,939 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $250,000 (Dec 2022) |
| Tax Bill | $4,325 (2025) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage Jun 2020 Reverse Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 80792 |
| Primary APN | 80792 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,404 sqft Heated Area |
| Gross Area | 2,476 sqft |
| 1st Floor Area | 1,624 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1984 |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,939 sqft (0.319 acres) |
| Lot Dimensions | 140 ft deep x 101 ft wide |
| Porch | Enclosed Porch |
| Porch Area | 852 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 80792 |
|---|---|
| Street Address | 1904 CYPRESS AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2220 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | ST CLOUD BLVD LOTS PB B PG 61B-64 BEG 172 FT S OF NW COR LOT 79, ELY TO E LOT LINE, SAID PT BEING 156 FT S OF NE COR, S TO S |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD BLVD |
| Legal Tract | 650 |
| Legal Block | 1 |
| Legal Lot Number | 79 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 43400 |
Source: Osceola County records, as of December 11, 2025
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 | 1904 CYPRESS AVE, SAINT CLOUD, FL 34769-2220 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 21, 2022 | Warranty Deed, Transfer · Conventional Mortgage PLAINS COMMERCE BANK |
| Jun 19, 2020 | Deed of Trust, Mortgage · Reverse Mortgage DATA MORTGAGE INC |
| Jun 11, 2020 | Deed of Trust, Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 21, 2022 · Amount on Record |
| Deed Sale | Dec 21, 2022 · Amount on Record |
| Prior Sale | Oct 26, 2004 |
| Deed Document Number | 2022183195 |
| Deed Book / Page | 6334 / 400 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 21, 2022 |
| Property Address | 1904 CYPRESS AVE, SAINT CLOUD, FL 34769-2220 |
| Document Number | 0063340400 |
| Book / Page | 6334 / 400 |
| Map Reference | MB B PG 61-64 |
| Instrument Date | Dec 15, 2022 |
| Instrument | 2022183195 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2023 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,750.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1904 CYPRESS AVE, SAINT CLOUD, FL 34769-2220 |
| Name | Verified Name |
|---|---|
| Address | 1904 CYPRESS AVE, SAINT CLOUD, FL 34769-2220 |
| Document Number | 0006334401 |
|---|---|
| Date | Dec 21, 2022 |
| Instrument | 6334/401 |
| Name | PLAINS COMMERCE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1904 CYPRESS AVE, SAINT CLOUD, FL 34769-2220 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0057400915 |
|---|---|
| Date | Jun 19, 2020 |
| Book Page | 5740/915 |
| Instrument | 2020078833 |
| Name | DATA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | ORANGE, CA 92868 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 893 Months |
| Due | Nov 20, 2094 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | Jul 1, 2021 |
| Change Frequency | Annually |
| Index | 1-Year LIBOR |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1904 CYPRESS AVE, SAINT CLOUD, FL 34769-2220 |
| Document Number | 0057400928 |
| Instrument Date | Jun 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1904 CYPRESS AVE ST CLOUD FL 347692220, ST CLOUD, FL 34769-2220 |
| Document Number | 0057400928 |
|---|---|
| Date | Jun 19, 2020 |
| Book Page | 005740/000928 |
| Instrument | 78834 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Amount | Amount Recorded |
|---|---|
| Term | 888 Months |
| Due | Jun 18, 2094 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2% |
Source: Osceola County assessment roll, as of July 1, 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 | $4,325.00 (-0.3%) Homeowner's exemption | $284,518 (+18.2%) | $301,400 (+25.22%) Land $75,000 Building $226,400 |
| 2023 | $4,338.00 (+204.63%) | $240,700 (+98.64%) Land $65,000 Building $175,700 | $240,700 (+20.11%) Land $65,000 Building $175,700 |
| 2022 | $1,424.00 Homeowner's exemption | $121,175 | $200,400 Land $55,000 Building $145,400 |
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.
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 18 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 18 in force |
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 306 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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