4400 Cypress Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4400 Cypress Dr, Saint Cloud, FL 34772 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,392 sqft · built 1986
Lot Size	2.31 acres (100,797 sqft)
Owner	2 Individual Names on File
Last Sale	$355,000 (Aug 2018)
Tax Bill	$4,223 (2025)
Deeds & Mortgages	Feb 2024 Construction Loan Mar 2022 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`25-26-30-4950-0001-0030`

Property Details

APN / Parcel Number

Primary APN	`25-26-30-4950-0001-0030`
Alternative APNs	`263025495000010030` `87693`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	1 Plumbing Fixture
Stories	2 Stories
Building Area	2,392 sqft Living Area
Gross Area	3,136 sqft
1st Floor Area	1,664 sqft
Upper Floors Area	728 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2000
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	100,797 sqft (2.31 acres)
Garage Area	1,440 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Open/Unfinished Porch
Porch Area	744 sqft
Deck Area	384 sqft
Shed	1 Shed
Shed Area	360 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4400 CYPRESS DR
City	SAINT CLOUD
State	FL
Zip	34772-8012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S L & I C PB B PG 12 E 1/2 LOT 3
Legal Range	30E
Legal Township	26S
Legal Section	25
Legal Subdivision	S L & I C
Legal Tract	4950
Legal Block	30
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 · APN 25-26-30-4950-0001-0030

Assessment roll updated November 26, 2025 · Last verified April 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 File
Mailing Address	4400 CYPRESS DR, SAINT CLOUD, FL 34772-8012
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 08, 2024	Deed of Trust, Mortgage · Construction Mortgage UNLOCK PARTNERSHIP SOLUTIONS INC
Mar 30, 2022	Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP
Aug 02, 2018	Trustee's Deed, Foreclosure · Conventional Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 02, 2018 · Amount on Record
Deed Sale	Aug 02, 2018 · Amount on Record
Prior Sale	Jan 30, 2012 · Amount on Record
Deed Document Number	2018117701
Deed Book / Page	5377 / 2540
Prior Transfer Date	Jun 05, 2015
Prior Transfer Doc	0048072136
Record Updated	Jun 08, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4400 CYPRESS DR, SAINT CLOUD, FL 34772-8012
Transaction Type	Mortgage
Record Updated	Apr 02, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4400 CYPRESS DR, SAINT CLOUD, FL 34772-8012

Mortgage

Document Number	0065462800
Date	Feb 08, 2024
Book Page	6546/2800
Instrument	2024016976

Lender

Name	UNLOCK PARTNERSHIP SOLUTIONS INC
Type	Non-Lending Institution
Address	NEW YORK, NY 10018

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4400 CYPRESS DR, SAINT CLOUD, FL 34772-8012
Transaction Type	Mortgage
Record Updated	Apr 02, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4400 CYPRESS DR, SAINT CLOUD, FL 34772-8012

Mortgage

Document Number	0061830001
Date	Mar 30, 2022
Book Page	6183/1
Instrument	2022050603

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2052

August 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 02, 2018
Property Address	4400 CYPRESS DR, SAINT CLOUD, FL 34772-8012
Document Number	0053772540
Book / Page	5377 / 2540
Map Reference	MB B PG12
Instrument Date	Jul 01, 2018
Instrument	2018117701
Transaction Type	Foreclosure
Record Updated	Feb 08, 2022
Title Company	FIRST INTL TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,485.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4091 ALBRITTON RD, 4091, SAINT CLOUD, FL 34772-7731

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4400 CYPRESS DR, SAINT CLOUD, FL 34772-8012

Mortgage

Document Number	2018117702
Date	Aug 02, 2018
Instrument	2018117702

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2048

Tax Assessment & Valuation

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

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	$4,223.00 (+5%) Homeowner's exemption	$294,274 (+5.99%)	$453,800 (+3.28%) Land $116,700 Building $337,100
2024	$4,022.00 (+2.13%)
2023	$3,938.00 (+4.12%) Homeowner's exemption	$277,652 (+3%)	$439,400 (+18.47%) Land $116,700 Building $322,700
2022	$3,782.00 Homeowner's exemption	$269,566	$370,900 Land $92,400 Building $278,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433041, refreshed September 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
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 59 individual NFIP policies nearby
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

Wildfire

Wildfire Risk	Moderate above 62% of the US · above 36% of Florida
Wildfire Likelihood	About 1 in 485 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 47 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	2,000 / 1,000
Xfinity	Cable	1,200 / 35

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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