4350 Cypress Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4350 Cypress Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 5.5 ba · 4,015 sqft · built 2007
Lot Size	2.3 acres (100,449 sqft)
Owner	2 Individual Names on Record
Last Sale	$555,000 (Jun 2020)
Tax Bill	$712 (2025)
Deeds & Mortgages	May 2026 Line of Credit Jun 2020 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`25-26-30-4950-0001-0035`

Property Details

APN / Parcel Number

Primary APN	`25-26-30-4950-0001-0035`
Alternative APNs	`263025495000010035` `87694`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,015 sqft Living Area
Gross Area	5,330 sqft
1st Floor Area	3,355 sqft
Upper Floors Area	660 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	100,449 sqft (2.3 acres)
Garage Type	Attached
Garage Area	767 sqft
Parking Spaces	3 Parking Spaces
Porch	Finished/Open Porch
Porch Area	548 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	4350 CYPRESS DR
City	SAINT CLOUD
State	FL
Zip	34772-8009
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OA2M
Legal Description	S L & I C PB B PG 12 W 1/2 LOT 3
Legal Range	30E
Legal Township	26S
Legal Section	25
Legal Subdivision	S L & I C
Legal Tract	4950
Legal Block	35
Legal Lot Number	3
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1023
Census Tract	43304

Owner

Source: Osceola County records, as of June 10, 2026

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 Record
Mailing Address	4350 CYPRESS DR, SAINT CLOUD, FL 34772-8009
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 29, 2026	Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC
Jun 9, 2020	Warranty Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2020 · Amount on Record
Deed Sale	Jun 9, 2020 · Amount on Record
Prior Sale	Jul 21, 2015 · Amount on Record
Deed Document Number	202073481
Deed Book / Page	5734 / 651
Prior Transfer Date	Jun 15, 2015
Prior Transfer Doc	0048112977
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	May 29, 2026
Property Address	4350 CYPRESS DR, SAINT CLOUD, FL 34772-8009
Document Number	0000070099
Book / Page	6978 / 1891
Instrument Date	May 20, 2026
Instrument	202670099
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4350 CYPRESS DR, SAINT CLOUD, FL 34772-8009

Mortgage

Document Number	0000070099,
Date	May 29, 2026
Book Page	6978/1891
Instrument	202670099

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 16, 2056

Interest

Rate	6.23%
Max Rate	-1%

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 9, 2020
Property Address	4350 CYPRESS DR, SAINT CLOUD, FL 34772-8009
Document Number	0057340651
Book / Page	005734 / 000651
Instrument Date	Jun 8, 2020
Instrument	73481
Transaction Type	Transfer
Record Updated	Aug 4, 2020
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,885.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4350 CYPRESS DR ST CLOUD FL 347728009, ST CLOUD, FL 34772-8009

Mortgage

Document Number	57340653
Date	Jun 9, 2020
Book Page	005734/000653
Instrument	73482

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 8, 2050

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	$712.00 (+14.65%) Homeowner's exemption Veteran's exemption	$483,267 (+5.99%)	$748,600 (+4.03%) Land $116,700 Building $631,900
2023	$621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$455,969 (+3%)	$719,600 (+18.96%) Land $116,700 Building $602,900
2022	$576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$442,689	$604,900 Land $92,400 Building $512,500

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 59 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	59 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

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

Wildfire Risk	Moderate above 61% of the US · lower than 63% of Florida
Wildfire Likelihood	0.2% 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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 47 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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