Osceola County property record for 4036 Southern Vista Loop, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,746 sqft · built 2022 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on File |
| Last Sale | $450,000 (Sep 2022) |
| Tax Bill | $4,322 (2025) |
| Deeds & Mortgages | Oct 2023 Mortgage Sep 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 132630066300010040 |
| Primary APN | 132630066300010040 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,746 sqft Heated Area |
| Gross Area | 2,374 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,663 sqft (0.13 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Porch Area | 44 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4036 SOUTHERN VISTA LOOP |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-6874 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SOUTHERN PINES PH 5 PB 31 PGS 133-139 LOT 4 |
| Legal Phase | 5 |
| Legal Lot Number | 4 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43303 |
4036 Southern Vista Loop is owned and occupied by an individual who bought it in September 2022.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4036 SOUTHERN VISTA LOOP, SAINT CLOUD, FL 34772-6874 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 2, 2023 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Sep 27, 2022 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage SYNOVUS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 27, 2022 · Amount on File |
| Deed Sale | Sep 27, 2022 · Amount on File |
| Deed Document Number | 2022145857 |
| Deed Book / Page | 6292 / 1869 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4036 SOUTHERN VISTA LOOP, SAINT CLOUD, FL 34772-6874 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2024 |
| Name | Verified Name |
|---|---|
| Address | 4036 SOUTHERN VISTA LOOP, SAINT CLOUD, FL 34772-6874 |
| Document Number | 0064821750 |
|---|---|
| Date | Oct 2, 2023 |
| Book Page | 6482/1750 |
| Instrument | 2023128704 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Nov 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 27, 2022 |
| Property Address | 4036 SOUTHERN VISTA LOOP, SAINT CLOUD, FL 34772-6874 |
| Document Number | 0062921869 |
| Book / Page | 6292 / 1869 |
| Map Reference | MB 31 PG 133-139 |
| Instrument Date | Sep 23, 2022 |
| Instrument | 2022145857 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 22, 2024 |
| Title Company | DO NO USE, AMERICAN HOME T&E CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,150.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2822 COMMERCE PARK DR STE 100, 100, ORLANDO, FL 32819-8636 |
| Name | Verified Name |
|---|---|
| Address | 4036 SOUTHERN VISTA LOOP, SAINT CLOUD, FL 34772-6874 |
| Document Number | 0062921870 |
|---|---|
| Date | Sep 27, 2022 |
| Instrument | 6292/1870 |
| Name | SYNOVUS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
The 2025 property tax bill for 4036 Southern Vista Loop was $4,322 with a homeowner's exemption.
Source: Osceola County assessment roll, as of July 1, 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 | $4,322.00 Homeowner's exemption | $284,368 | $334,900 Land $75,000 Building $259,900 |
| 2023 | $4,069.00 (+402.35%) Homeowner's exemption | $268,305 (+496.23%) | $343,600 (+663.56%) Land $60,000 Building $283,600 |
| 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.
FEMA maps place 4036 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 risk around 4036 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.
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 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 |
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