320 Cypress Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 320 Cypress Ave, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2001
Square Footage	1,879 sqft Heated Area
Lot Size	14,810 sqft (0.339 acres)
Occupancy	Owner Occupied
Last Sale	$400,000 (2024)
Tax Bill	$5,611.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`80681`
Alternative APN	`012630065000010315`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Partial Baths	1 Partial Baths
Building Area	1,879 sqft Heated Area
Gross Area	2,847 sqft Gross Area
1st Floor	1,759 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1977
Effective Year Built	Effective 2001
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	14,810 sqft (0.339 acres)
Depth X Width	150 ft x 100 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Detached - Finished Garage
Garage Area	520 sqft Garage

Exterior Amenities

Pool Area	450 sqft Pool
Fence	Fence
Shed	1 Shed
Shed Area	120 sqft Shed
Deck Area	672 sqft Deck
Porch	Enclosed Porch
Porch Area	568 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	80681
Street Address	320 CYPRESS AVE
City	SAINT CLOUD
State	FL
Zip	34769-2478
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	ST CLOUD BLVD LOTS S 1/2 LOT 31
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD BLVD
Legal Tract	650
Legal Block	1
Legal Lot Number	31
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	5
Census Block	5014
Census Tract	43500

Owner

Source: Osceola County records · APN 80681

Assessment roll updated July 1, 2025 · Last verified December 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 File
Co-owner	Verified Secondary Owner
Mailing Address	320 CYPRESS AVE, SAINT CLOUD, FL 34769-2478
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 05, 2024 · Amount on Record
Deed Sale	Jan 05, 2024 · Amount on Record
Prior Sale	Nov 05, 2012 · Amount on Record
Deed Doc Number	2024001413
Deed Book / Page	6529 / 395
Record Refreshed	Jun 08, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 05, 2024
Property Address	320 CYPRESS AVE, SAINT CLOUD, FL 34769-2478
Document Number	0065290395
Book / Page	6529 / 395
Map Reference	MB B PG 61-64
Instrument Date	Dec 27, 2023
Instrument	2024001413
Transaction Type	Transfer
Record Updated	Jan 25, 2024
Title Company	CONSUMER TITLE AND ESCROW, CONSUMER T&E SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	320 CYPRESS AVE, SAINT CLOUD, FL 34769-2478

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	320 CYPRESS AVE, SAINT CLOUD, FL 34769-2478

Mortgage

Document Number	0006529397
Date	Jan 05, 2024
Instrument	6529/397

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2054

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,611.00 (+122.31%) Homeowner's exemption	$356,400 (+95.51%) Land $75,000 Building $281,400	$356,400 (+27.15%) Land $75,000 Building $281,400
2023	$2,524.00 (+3.87%) Homeowner's exemption	$182,294 (+3%)	$280,300 (+18.52%) Land $65,000 Building $215,300
2022	$2,430.00 Homeowner's exemption	$176,985	$236,500 Land $55,000 Building $181,500

Flood & Wildfire

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

Flood

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

Wildfire Risk	Low above 37% of the US · above 11% of Florida
Wildfire Likelihood	About 1 in 1,852 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.