4035 Southern Vista Loop, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4035 Southern Vista Loop, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,611 sqft · built 2022
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$527,700 (Jan 2023)
Tax Bill	$6,487 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-26-30-0663-0001-0200`

Property Details

APN / Parcel Number

Primary APN	`13-26-30-0663-0001-0200`
Alternative APN	`263013066300010200`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,611 sqft Living Area
Gross Area	3,294 sqft
1st Floor Area	1,136 sqft
Flooring	Tile

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	471 sqft
Porch	Finished/Open Porch
Porch Area	160 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	4035 SOUTHERN VISTA LOOP
City	SAINT CLOUD
State	FL
Zip	34772-6877
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTHERN PINES PH 5 PB 31 PGS 133-139 LOT 20
Legal Subdivision	SOUTHERN PINES PHASE 5
Legal Lot Number	20
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43303

Owner

4035 Southern Vista Loop is owned and occupied by two individuals who bought it in January 2023.

Source: Osceola County records, as of July 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	960 JAMISON LOOP, 404, KISSIMMEE, FL 34744-7264
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2023 · Amount on File
Deed Sale	Jan 4, 2023 · Amount on File
Deed Document Number	2023884
Deed Book / Page	6339 / 2428
Record Updated	Sep 20, 2026

January 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 4, 2023
Property Address	4035 SOUTHERN VISTA LOOP, SAINT CLOUD, FL 34772-6877
Document Number	0063392428
Book / Page	6339 / 2428
Map Reference	MB 31 PG 133-139
Instrument Date	Dec 28, 2022
Instrument	2023000884
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 22, 2024
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,693.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2822 COMMERCE PARK DR STE 100, 100, ORLANDO, FL 32819-8636

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	960 JAMISON LOOP APT 404, 404, KISSIMMEE, FL 34744-7264

Mortgage

Document Number	0063392433
Date	Jan 4, 2023
Instrument	6339/2433

Lender

Name	HOME AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 4035 Southern Vista Loop was $6,487 with a homeowner's exemption.

Source: Osceola County assessment roll, as of November 26, 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	$6,487.00 Homeowner's exemption	$405,300 Land $75,000 Building $330,300	$405,300 Land $75,000 Building $330,300
2023	$7,814.00 (+864.69%)	$433,900 (+864.22%) Land $60,000 Building $373,900	$433,900 (+864.22%) Land $60,000 Building $373,900
2022	$810.00	$45,000 Land $45,000	$45,000 Land $45,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 4035 Southern Vista Loop in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 133 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	133 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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 4035 Southern Vista Loop is high, ranking above 70% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 70% of the US · above 51% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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 260 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000