Osceola County property record for 4176 Southern Vista Loop, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,175 sqft · built 2023 |
| Lot Size | 0.13 acres (5,662 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $505,800 (Dec 2023) |
| Tax Bill | $4,630 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Dec 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-26-30-0663-0001-0490 |
| Primary APN | 13-26-30-0663-0001-0490 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,175 sqft Living Area |
| Gross Area | 3,020 sqft |
| 1st Floor Area | 985 sqft |
| Flooring | Tile |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,662 sqft (0.13 acres) |
| Garage Type | Attached |
| Garage Area | 652 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 143 sqft |
| Heating System | Central |
|---|
| Street Address | 4176 SOUTHERN VISTA LOOP |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-6876 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SOUTHERN PINES PH 5 PB 31 PGS 133-139 LOT 49 |
| Legal Subdivision | SOUTHERN PINES PHASE 5 |
| Legal Lot Number | 49 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43303 |
4176 Southern Vista Loop is owned and occupied by two individuals who bought it in December 2023.
Source: Osceola County records, as of July 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4176 SOUTHERN VISTA LOOP, SAINT CLOUD, FL 34772-6876 |
| 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.
| Date | Document |
|---|---|
| Jun 30, 2026 | Deed of Trust, Mortgage · FHA Mortgage SERVICELINK |
| Dec 28, 2023 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage HOME AMERICAN MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 28, 2023 · Amount on File |
| Deed Sale | Dec 28, 2023 · Amount on File |
| Deed Document Number | 2023168400 |
| Deed Book / Page | 6525 / 2999 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 30, 2026 |
| Property Address | 4176 SOUTHERN VISTA LOOP, SAINT CLOUD, FL 34772-6876 |
| Document Number | 0000085356 |
| Book / Page | 6995 / 2961 |
| Instrument Date | Apr 20, 2026 |
| Instrument | 202685356 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000085356, |
|---|---|
| Date | Jun 30, 2026 |
| Book Page | 6995/2961 |
| Instrument | 202685356 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 331 Months |
| Due | Jan 1, 2054 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 28, 2023 |
| Property Address | 4176 SOUTHERN VISTA LOOP, SAINT CLOUD, FL 34772-6876 |
| Document Number | 0065252999 |
| Book / Page | 6525 / 2999 |
| Map Reference | MB 31 PG 133-139 |
| Instrument Date | Dec 18, 2023 |
| Instrument | 2023168400 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 16, 2024 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,540.60 |
| 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 | 4176 SOUTHERN VISTA LOOP, SAINT CLOUD, FL 34772-6876 |
| Document Number | 0065253004 |
|---|---|
| Date | Dec 28, 2023 |
| Instrument | 6525/3004 |
| Name | HOME AMERICAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2054 |
The 2025 property tax bill for 4176 Southern Vista Loop was $4,630.
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 | $4,630.00 | $301,583 | $380,600 Land $75,000 Building $305,600 |
| 2023 | $949.00 (+17.16%) | $60,000 (+33.33%) Land $60,000 | $60,000 (+33.33%) Land $60,000 |
| 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 4176 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 4176 Southern Vista Loop is moderate, ranking above 69% 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 | Moderate above 69% of the US · above 49% 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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