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2840 Cypress Grove Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2840 Cypress Grove Ct, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details6 bd · 4 ba · 4,239 sqft · built 2011
Lot Size0.289 acres (12,588 sqft)
Owner2 Individual Names on Record
Last Sale$271,300 (Jun 2011)
Tax Bill$4 (2025)
Deeds & MortgagesNov 2025 Mortgage
Jul 2022 Mortgage
Flood ZoneZone X (minimal risk)
APN22-26-30-0607-0001-1080

Property Details

APN / Parcel Number

Primary APN22-26-30-0607-0001-1080
Alternative APNs
  • 263022060700011080
  • 153901

Interior

Bedrooms6 Beds
Full Baths4 Baths
Stories2 Stories
Building Area4,239 sqft Living Area
Gross Area5,246 sqft
1st Floor Area1,901 sqft
Upper Floors Area2,338 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2011
Effective Year BuiltEffective 2011
Architectural StyleConventional
Exterior MaterialCombination
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area12,588 sqft (0.289 acres)
Garage TypeAttached
Garage Area589 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area418 sqft
Patio Area1,032 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemCentral

Location & Zoning

Street Address2840 CYPRESS GROVE CT
CitySAINT CLOUD
StateFL
Zip34772-7207
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR1B
Legal DescriptionCYPRESS PRESERVE PB 19 PG 193-199 LOT 108
Legal Range30E
Legal Township26S
Legal Section22
Legal SubdivisionCYPRESS PRESERVE
Legal Tract607
Legal Block1080
Legal Lot Number108
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2015
Census Tract43208

Owner

Source: Osceola County records, as of May 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address2840 CYPRESS GROVE CT, SAINT CLOUD, FL 34772-7207
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 5, 2025Deed of Trust, Mortgage · VA Mortgage
NATIONS LENDING CORP
Jul 27, 2022Deed of Trust, Mortgage · VA Mortgage
NATIONS LENDING CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 14, 2011 · Amount on Record
Deed SaleJun 14, 2011 · Amount on Record
Deed Document Number201180320
Deed Book / Page4140 / 1923
Record UpdatedOct 29, 2026

November 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2840 CYPRESS GROVE CT, SAINT CLOUD, FL 34772-7207
Transaction TypeMortgage
Record UpdatedNov 20, 2025
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY NATL TITLE INS CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address2840 CYPRESS GROVE CT, SAINT CLOUD, FL 34772-7207

Mortgage

Document Number0068760377
DateNov 5, 2025
Book Page6876/377
Instrument2025137030
Lender
NameNATIONS LENDING CORP
TypeMortgage Company
AddressINDEPENDENCE, OH 44131
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueNov 1, 2055

July 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2840 CYPRESS GROVE CT, SAINT CLOUD, FL 34772-7207
Transaction TypeMortgage
Record UpdatedAug 9, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address2840 CYPRESS GROVE CT, SAINT CLOUD, FL 34772-7207

Mortgage

Document Number0062581139
DateJul 27, 2022
Book Page6258/1139
Instrument2022115110
Lender
NameNATIONS LENDING CORP
TypeMortgage Company
AddressINDEPENDENCE, OH 44131
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2052

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4.00 Homeowner's exemption Veteran's exemption$304,285 (+5.99%)$529,600 (-5.19%) Land $80,000 Building $449,600
2024$4.00
2023$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$287,098 (+3%)$558,600 (+19.36%) Land $70,000 Building $488,600
2022$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$278,736$468,000 Land $60,000 Building $408,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 41 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies41 in force
Nearby Flood Claims2 (2015–2020)
Claims Outside the SFHA2 of 2
Most Recent ClaimJan 2020 · other causes

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 46% of the US · lower than 82% of Florida
Wildfire Likelihood0.1% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 402 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 35
CenturyLink
DSL · Fiber in parts of the area		140 / 20

May also be available: Verizon.

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