Osceola County property record for 29 Cypress Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,398 sqft · built 1987 |
| Lot Size | 0.239 acres (10,410 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $365,000 (Dec 2025) |
| Tax Bill | $5,666 (2025) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage Feb 2021 Sale + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 01-26-30-0001-0479-0160 |
| Primary APN | 01-26-30-0001-0479-0160 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,398 sqft Living Area |
| Gross Area | 2,110 sqft |
| 1st Floor Area | 1,398 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,410 sqft (0.239 acres) |
| Lot Dimensions | 141 ft deep x 72 ft wide |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Screened/Unfinished Porch |
|---|---|
| Porch Area | 250 sqft |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 29 CYPRESS AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2563 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | GALION GARDENS PB 1 PG 140 BLK 479 N 32 FT OF LOT 16 & ALL LOT 17 LESS N 32 FT OF E 12 FT OF LOT 16 & LESS ELY 12 FT OF LOT 17 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 479 |
| Legal Lot Number | 16 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 5 |
| Census Block | 5006 |
| Census Tract | 43500 |
Source: Osceola County records, as of March 26, 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 Record |
|---|---|
| Mailing Address | 29 CYPRESS AVE, SAINT CLOUD, FL 34769-2563 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Date | Document |
|---|---|
| Dec 16, 2025 | Warranty Deed, Transfer · FHA Mortgage NFM LENDING |
| Feb 23, 2021 | Warranty Deed, Transfer STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Jan 20, 2017 | Quit Claim Deed, Transfer · Conventional Mortgage CENTRAL FLORIDA EDUCATORS FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 16, 2025 · Amount on Record |
| Deed Sale | Dec 16, 2025 · Amount on Record |
| Prior Sale | Feb 23, 2021 · Amount on Record |
| Deed Document Number | 2025153063 |
| Deed Book / Page | 6893 / 2973 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 16, 2025 |
| Property Address | 29 CYPRESS AVE, SAINT CLOUD, FL 34769-2563 |
| Document Number | 0068932973 |
| Book / Page | 6893 / 2973 |
| Map Reference | MB 1 PG 140 |
| Instrument Date | Dec 5, 2025 |
| Instrument | 2025153063 |
| Transaction Type | Transfer |
| Record Updated | Dec 29, 2025 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY MT, FIRST AMER TITLE INS COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,555.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1794 ADMIRAL CT, KISSIMMEE, FL 34744-6604 |
| Name | Verified Name |
|---|---|
| Address | 29 CYPRESS AVE, SAINT CLOUD, FL 34769-2563 |
| Document Number | 0068932975 |
|---|---|
| Date | Dec 16, 2025 |
| Instrument | 6893/2975 |
| Name | NFM LENDING |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 23, 2021 |
| Property Address | 29 CYPRESS AVE, SAINT CLOUD, FL 34769-2563 |
| Document Number | 0058962670 |
| Book / Page | 5896 / 2670 |
| Map Reference | MB 1 PG 140 |
| Instrument Date | Feb 22, 2021 |
| Instrument | 2021026189 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,872.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 29 CYPRESS AVE, 29, SAINT CLOUD, FL 34769-2563 |
| Name | Verified Name |
|---|---|
| Address | 1794 ADMIRAL CT, KISSIMMEE, FL 34744-6604 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 20, 2017 |
| Property Address | 29 CYPRESS AVE, SAINT CLOUD, FL 34769-2563 |
| Document Number | 0050890791 |
| Book / Page | 5089 / 0791 |
| Map Reference | MB1 PG140 |
| Instrument Date | Jan 11, 2017 |
| Instrument | 2017011626 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | MORTGAGEE TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $392.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1880 PINE NEEDLE TRL, 1880, KISSIMMEE, FL 34746-3014 |
| Name | Verified Name |
|---|---|
| Address | 29 CYPRESS AVE, SAINT CLOUD, FL 34769-2563 |
| Document Number | 0050890792 |
|---|---|
| Date | Jan 20, 2017 |
| Instrument | 5089/0792 |
| Name | CENTRAL FLORIDA EDUCATORS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2047 |
Source: Osceola County assessment roll, as of November 26, 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 | $5,666.00 (+7.33%) | $320,200 (+14.28%) Land $60,000 Building $260,200 | $320,200 (+14.28%) Land $60,000 Building $260,200 |
| 2024 | $5,279.00 (+1%) | ||
| 2023 | $4,799.00 (+12.49%) | $280,200 (+18.48%) Land $55,000 Building $225,200 | $280,200 (+18.48%) Land $55,000 Building $225,200 |
| 2022 | $4,266.00 | $236,500 Land $50,000 Building $186,500 | $236,500 Land $50,000 Building $186,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 51 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 51 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 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
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 384 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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