Osceola County property record for 20 Cypress Ave, Saint Cloud, FL 34769 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 1999 |
| Square Footage | 2,591 sqft Living Area |
| Lot Size | 14,984 sqft (0.344 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $359,000 (2021) |
| Tax Bill | $4.00 (2024) |
| Primary APN | 01-26-30-0650-0001-0210 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,591 sqft Living Area |
| Gross Area | 3,367 sqft Gross Area |
| 1st Floor | 1,551 sqft 1st Floor |
| Upper Floors | 1,040 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 14,984 sqft (0.344 acres) |
| Depth X Width | 150 ft x 100 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 624 sqft Garage |
| Patio Area | 728 sqft Patio |
| Porch Area | 425 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Central Heating |
| Street Address | 20 CYPRESS AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2509 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | ST CLOUD BLVD LOTS IN GALION GARDENS PB 1 PG 140 LOT 21 LESS N 150 FT 01/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | LAKE FRONT ADD TO TOWN OF ST CLOUD |
| Legal Tract | 650 |
| Legal Block | 1 |
| Legal Lot Number | 21 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 5 |
| Census Block | 5005 |
| Census Tract | 43500 |
Source: Osceola County records · APN 01-26-30-0650-0001-0210
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 CYPRESS AVE, SAINT CLOUD, FL 34769-2509 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 29, 2021 | Deed of Trust, Mortgage · Veterans Administration Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 19, 2021 | Warranty Deed, Transfer · Veterans Administration Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 19, 2021 · Amount on Record |
| Deed Sale | Feb 19, 2021 · Amount on Record |
| Prior Sale | Jul 24, 2001 · Amount on Record |
| Deed Doc Number | 202124059 |
| Deed Book / Page | 5894 / 766 |
| Prior Transfer Date | Oct 13, 2010 |
| Prior Transfer Doc | 0040510323 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 20 CYPRESS AVE, SAINT CLOUD, FL 34769-2509 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2022 |
| Title Company | APOLLO TITLE |
| Name | Verified Name |
|---|---|
| Address | 20 CYPRESS AVE, SAINT CLOUD, FL 34769-2509 |
| Document Number | 0061181402 |
|---|---|
| Date | Dec 29, 2021 |
| Book Page | 6118/1402 |
| Instrument | 2021201150 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 19, 2021 |
| Property Address | 20 CYPRESS AVE, SAINT CLOUD, FL 34769-2509 |
| Document Number | 0058940766 |
| Book / Page | 5894 / 766 |
| Map Reference | MB 1 PG 140 |
| Instrument Date | Feb 17, 2021 |
| Instrument | 2021024059 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,513.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 20 CYPRESS AVE, 20, SAINT CLOUD, FL 34769-2509 |
| Name | Verified Name |
|---|---|
| Address | 20 CYPRESS AVE, SAINT CLOUD, FL 34769-2509 |
| Document Number | 0005894768 |
|---|---|
| Date | Feb 19, 2021 |
| Instrument | 5894/768 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4.00 Homeowner's exemption Veteran's exemption | $255,985 (+5.99%) | $462,900 (+24.67%) Land $75,000 Building $387,900 |
| 2024 | $4.00 | ||
| 2023 | $4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $241,526 (+3%) | $371,300 (+20.43%) Land $65,000 Building $306,300 |
| 2022 | $4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $234,492 | $308,300 Land $55,000 Building $253,300 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 61.0 ft |
| Wildfire Risk | Low above 36% of the US · above 10% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 3,125 per year |
| Exposure | Indirect within ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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