4240 Cypress Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4240 Cypress Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,125 sqft · built 1984
Lot Size	4.25 acres (185,130 sqft)
Owner	2 Individual Names on File
Last Sale	$190,000 (Oct 2018)
Tax Bill	$3,441 (2025)
Deeds & Mortgages	Oct 2018 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`87712`

Property Details

APN / Parcel Number

Primary APN	`87712`
Alternative APN	`252630507000010060`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,125 sqft Heated Area
Gross Area	1,570 sqft Gross Area
1st Floor Area	1,125 sqft 1st Floor
Stories	1 Story
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Exterior Material	Aluminum Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	185,130 sqft (4.25 acres)
Garage Type	Carport
Carport	Carport

Exterior Amenities

Shed	1 Shed
Shed Area	80 sqft Shed
Deck Area	120 sqft Deck
Porch	Open Porch
Porch Area	125 sqft Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	87712
Street Address	4240 CYPRESS DR
City	SAINT CLOUD
State	FL
Zip	34772-8090
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ST CLOUD MANOR EST UNIT 1 PB 1 PG 363 LOT 6 LESS N 10 FT & LESS W 7 1/2 FT
Legal Range	30E
Legal Township	26S
Legal Section	25
Legal Subdivision	ST CLOUD MANOR EST 1
Legal Tract	5070
Legal Block	1
Legal Lot Number	6
Legal Unit	1P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1024
Census Tract	43304

Owner

Source: Osceola County records · APN 87712

Assessment roll updated July 1, 2025 · Last verified December 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	4240 CYPRESS DR, SAINT CLOUD, FL 34772-8090
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 22, 2018 · Amount on Record
Deed Sale	Oct 22, 2018 · Amount on Record
Deed Document Number	2018157659
Deed Book / Page	5420 / 2913
Record Updated	Jun 08, 2026

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 22, 2018
Property Address	4240 CYPRESS DR, SAINT CLOUD, FL 34772-8090
Document Number	0054202913
Book / Page	005420 / 002913
Instrument Date	Oct 19, 2018
Instrument	157659
Transaction Type	Transfer
Record Updated	Nov 02, 2018
Title Company	A CLEAR CHOICE TITLE AND ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4240 CYPRESS DR ST CLOUD FL 347728090, ST CLOUD, FL 34772-8090

Mortgage

Document Number	54202914
Date	Oct 22, 2018
Book Page	005420/002914
Instrument	157660

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 21, 2048

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,441.00 (+7.73%) Homeowner's exemption	$237,816 (+5.99%)	$310,800 (+7.17%) Land $157,200 Building $153,600
2023	$3,194.00 (+4.38%) Homeowner's exemption	$224,383 (+3%)	$290,000 (+8.94%) Land $144,500 Building $145,500
2022	$3,060.00 Homeowner's exemption	$217,848	$266,200 Land $136,000 Building $130,200

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 A
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	Not determined for this zone

Wildfire

Wildfire Risk	Moderate above 57% of the US · above 28% of Florida
Wildfire Likelihood	About 1 in 546 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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