4165 Cypress Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4165 Cypress Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,640 sqft · built 2006
Lot Size	1.78 acres (77,536 sqft)
Owner	2 Individual Names on File
Last Sale	$170,000 (Jan 2017)
Tax Bill	$3,528 (2025)
Deeds & Mortgages	Feb 2025 Line of Credit Jul 2017 Transfer + 1 more
Flood Zone	Zone A (high risk)
APN	`24-26-30-4950-0001-1190`

Property Details

APN / Parcel Number

Primary APN	`24-26-30-4950-0001-1190`
Alternative APNs	`263024495000011190` `87688`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,640 sqft Living Area
Gross Area	2,232 sqft
1st Floor Area	1,640 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	L-Shape
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	77,536 sqft (1.78 acres)
Garage Type	Attached
Garage Area	556 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	36 sqft
Deck Area	288 sqft
Patio Area	560 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4165 CYPRESS DR
City	SAINT CLOUD
State	FL
Zip	34772-8091
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OA2M
Legal Description	S L & I C PB B PG 11 COM AT NW COR OF LOT 119, S 379.99 FT, E 35 FT TO POB; N 130 FT, E 278.45 FT, S 371.57 FT TO NLY R/W LINE OF CYPRESS DR, W 152.54 FT, N 69.97 FT, W 24.99 FT, N 171.46 FT, W 100 FT TO POB
Legal Range	30E
Legal Township	26S
Legal Section	24
Legal Subdivision	S L & I C
Legal Tract	4950
Legal Block	1190
Legal Lot Number	119
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2026
Census Tract	43304

Owner

Source: Osceola County assessment roll, as of November 26, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	4165 CYPRESS DR, SAINT CLOUD, FL 34772-8091
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2025	Deed of Trust, Mortgage · Line of Credit ADDITION FINANCIAL CU
Jul 5, 2017	Quit Claim Deed, Transfer Quitclaim
Jan 31, 2017	Warranty Deed, Transfer · VA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 31, 2017 · Amount on Record
Deed Sale	Jan 31, 2017 · Amount on Record
Deed Document Number	201716508
Deed Book / Page	5094 / 20
Last Transfer Date	Jul 3, 2017
Transfer Doc	0051732796
Record Updated	Jun 8, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4165 CYPRESS DR, SAINT CLOUD, FL 34772-8091
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	PRIMERA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4165 CYPRESS DR, SAINT CLOUD, FL 34772-8091

Mortgage

Document Number	0067460736
Date	Feb 27, 2025
Book Page	6746/736
Instrument	2025025006

Lender

Name	ADDITION FINANCIAL CU
Type	Credit Union
Address	LAKE MARY, FL 32746

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	420 Months
Due	Feb 26, 2060

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 5, 2017
Property Address	4165 CYPRESS DR, SAINT CLOUD, FL 34772-8091
Document Number	0051732796
Book / Page	005173 / 002796
Instrument Date	Jul 3, 2017
Instrument	97317
Transaction Type	Transfer
Record Updated	Aug 1, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4165 CYPRESS DR ST CLOUD FL 347728091, ST CLOUD, FL 34772-8091

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 31, 2017
Property Address	4165 CYPRESS DR, SAINT CLOUD, FL 34772-8091
Document Number	0050940020
Book / Page	5094 / 0020
Map Reference	MB B PG11
Instrument Date	Jan 27, 2017
Instrument	2017016508
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST INTL TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,190.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3375 CORD AVE, 3375, SAINT CLOUD, FL 34772-8113

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4165 CYPRESS DR, SAINT CLOUD, FL 34772-8091

Mortgage

Document Number	0050940022
Date	Jan 31, 2017
Instrument	5094/0022

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,528.00 (+3.92%) Homeowner's exemption Veteran's exemption	$162,618 (+5.99%)	$350,700 (+3.36%) Land $89,900 Building $260,800
2024	$3,395.00 (+1.62%)
2023	$3,341.00 (+3.28%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$153,433 (+3%)	$339,300 (+18.72%) Land $89,900 Building $249,400
2022	$3,235.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$148,965	$285,800 Land $71,200 Building $214,600

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

Flood

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

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 36 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	36 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.

Wildfire

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

Wildfire Risk	Moderate above 53% of the US · lower than 75% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation at the parcel

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

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber	2,000 / 1,000
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000

May also be available: AT&T.

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