2860 Cypress Grove Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2860 Cypress Grove Ct, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,087 sqft · built 2012
Lot Size	0.192 acres (8,407 sqft)
Owner	Individual Name on File
Last Sale	$230,400 (Jan 2012)
Tax Bill	$3,971 (2025)
Deeds & Mortgages	May 2021 Mortgage Mar 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`153900`

Property Details

APN / Parcel Number

Primary APN	`153900`
Alternative APN	`222630060700011070`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,087 sqft Heated Area
Gross Area	4,126 sqft
1st Floor Area	3,087 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,407 sqft (0.192 acres)
Lot Dimensions	120 ft deep x 70 ft wide
Garage Type	Finished
Garage Area	587 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Open Porch
Porch Area	452 sqft
Deck Area	808 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	153900
Street Address	2860 CYPRESS GROVE CT
City	SAINT CLOUD
State	FL
Zip	34772-7207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	CYPRESS PRESERVE PB 19 PG 193-199 LOT 107
Legal Range	30E
Legal Township	26S
Legal Section	22
Legal Subdivision	CYPRESS PRESERVE
Legal Tract	607
Legal Block	1
Legal Lot Number	107
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2015
Census Tract	43208

Owner

2860 Cypress Grove Ct is owned and occupied by an individual who bought it in January 2012.

Source: Osceola County records, as of December 11, 2025

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 Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2860 CYPRESS GROVE CT, SAINT CLOUD, FL 34772-7207
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage RP FUNDING INC
Mar 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage RP FUNDING INC
Dec 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage RP FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 24, 2012 · Amount on File
Deed Sale	Jan 24, 2012 · Amount on File
Deed Document Number	2012011058
Deed Book / Page	4223 / 2320
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2860 CYPRESS GROVE CT, SAINT CLOUD, FL 34772-7207
Transaction Type	Mortgage
Record Updated	Jun 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2860 CYPRESS GROVE CT, SAINT CLOUD, FL 34772-7207

Mortgage

Document Number	0059630706
Date	May 20, 2021
Book Page	5963/706
Instrument	2021078499

Lender

Name	RP FUNDING INC
Type	Mortgage Company
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2860 CYPRESS GROVE CT, SAINT CLOUD, FL 34772-7207
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054890120
Date	Mar 8, 2019
Book Page	5489/0120
Instrument	2019030406

Lender

Name	RP FUNDING INC
Type	Mortgage Company
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2049

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2860 CYPRESS GROVE CT, SAINT CLOUD, FL 34772-7207
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056440504
Date	Dec 19, 2019
Book Page	5644/0504
Instrument	2019165031

Lender

Name	RP FUNDING INC
Type	Mortgage Company
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2860 Cypress Grove Ct was $3,971 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,971.00 Homeowner's exemption	$264,761	$491,700 Land $80,000 Building $411,700
2023	$3,740.00 (+3.57%) Homeowner's exemption	$249,806 (+3%)	$483,500 (+18.13%) Land $70,000 Building $413,500
2022	$3,611.00 Homeowner's exemption	$242,531	$409,300 Land $60,000 Building $349,300

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

Flood

FEMA maps place 2860 Cypress Grove Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 41 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	41 in force
Nearby Flood Claims	2 (2015–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 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

Wildfire risk around 2860 Cypress Grove Ct is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 82% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	None 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 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

Violations Reported to EPA

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.

Internet Providers

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

Provider	Max 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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