4196 Southern Vista Loop, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4196 Southern Vista Loop, Saint Cloud, FL 34772 · Last verified June 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2.5 Baths
Year Built	Built 2024
Square Footage	2,791 sqft Living Area
Lot Size	5,662 sqft (0.13 acres)
Occupancy	Owner Occupied
Last Sale	$490,000 (2024)
Tax Bill	$7,654.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`13-26-30-0663-0001-0540`
Alternative APN	`263013066300010540`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Building Area	2,791 sqft Living Area
Gross Area	3,520 sqft Gross Area
1st Floor	1,203 sqft 1st Floor
Stories	2 Stories
Primary Flooring	Tile Flooring

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Conventional Style
Exterior Material	Concrete Block Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	5,662 sqft (0.13 acres)
Garage Type	Attached Garage
Garage Area	501 sqft Garage
Porch Area	160 sqft Porch

Utilities and HVAC

Heating System	Central Heating

Location & Zoning

Street Address	4196 SOUTHERN VISTA LOOP
City	SAINT CLOUD
State	FL
Zip	34772-6876
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	SOUTHERN PINES PH 5 PB 31 PGS 133-139 LOT 54
Legal Subdivision	SOUTHERN PINES PHASE 5
Legal Lot Number	54
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1000
Census Tract	43303

Owner

Source: Osceola County records · APN 13-26-30-0663-0001-0540

Assessment roll updated November 26, 2025 · Last verified June 2026

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

Owner of Record	Individual Name on File
Mailing Address	4196 SOUTHERN VISTA LOOP, SAINT CLOUD, FL 34772-6876
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 04, 2024 · Amount on Record
Deed Sale	Mar 04, 2024 · Amount on Record
Deed Doc Number	202427480
Deed Book / Page	6558 / 1465
Record Refreshed	Sep 20, 2026

March 2024: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 04, 2024
Property Address	4196 SOUTHERN VISTA LOOP, SAINT CLOUD, FL 34772-6876
Document Number	0065581465
Book / Page	6558 / 1465
Map Reference	MB 31 PGS 133-139
Instrument Date	Feb 13, 2024
Instrument	2024027480
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,430.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4196 SOUTHERN VISTA LOOP, SAINT CLOUD, FL 34772-6876

Mortgage

Document Number	2024027481
Date	Mar 04, 2024
Instrument	2024027481

Lender

Name	HOME AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2054

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,654.00 (+706.53%)	$427,400 (+612.33%) Land $75,000 Building $352,400	$427,400 (+612.33%) Land $75,000 Building $352,400
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

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft

Wildfire

Wildfire Risk	Moderate above 69% of the US · above 49% of Florida
Wildfire Likelihood	About 1 in 310 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.