4181 Southern Vista Loop, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4181 Southern Vista Loop, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,075 sqft · built 2023
Lot Size	0.189 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$430,410 (Nov 2023)
Tax Bill	$5,785 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`132630066300010650`

Property Details

APN / Parcel Number

Primary APN	`132630066300010650`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,075 sqft Heated Area
Gross Area	2,782 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.189 acres)
Garage Type	Finished
Porch	Open Porch
Porch Area	35 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4181 SOUTHERN VISTA LOOP
City	SAINT CLOUD
State	FL
Zip	34772-6879
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTHERN PINES PH 5 PB 31 PGS 133-139 LOT 65
Legal Phase	5
Legal Lot Number	65
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43303

Owner

4181 Southern Vista Loop is owned and occupied by an individual who bought it in November 2023.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Mailing Address	4181 SOUTHERN VISTA LOOP, SAINT CLOUD, FL 34772-6879
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 2023 · Amount on File
Deed Sale	Nov 6, 2023 · Amount on File
Deed Document Number	2023146344
Deed Book / Page	6501 / 636
Record Updated	Jun 8, 2026

November 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 6, 2023
Property Address	4181 SOUTHERN VISTA LOOP, SAINT CLOUD, FL 34772-6879
Document Number	0065010636
Book / Page	6501 / 636
Map Reference	MB 31 PG 133
Instrument Date	Oct 30, 2023
Instrument	2023146344
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 6, 2023
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,013.50
Amount Accuracy	Full Amount Stated
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	4181 SOUTHERN VISTA LOOP, SAINT CLOUD, FL 34772-6879

Mortgage

Document Number	0006501638
Date	Nov 6, 2023
Instrument	6501/638

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 4181 Southern Vista Loop was $5,785 with exemptions applied.

Source: Osceola County assessment roll, as of July 1, 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	$5,785.00 Homeowner's exemption Widower's exemption	$371,100 Land $75,000 Building $296,100	$371,100 Land $75,000 Building $296,100
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.

Flood

FEMA maps place 4181 Southern Vista Loop in Zone X, an area of minimal flood risk, within 500 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 500 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 4181 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.

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