4425 Cypress Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4425 Cypress Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,304 sqft · built 1999
Lot Size	4.37 acres (190,357 sqft)
Owner	2 Individual Names on Record
Last Sale	$249,000 (Jan 2024)
Tax Bill	$6,494 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jan 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-26-30-4950-0001-1140`

Property Details

APN / Parcel Number

Primary APN	`24-26-30-4950-0001-1140`
Alternative APNs	`263024495000011140` `87674`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,304 sqft Living Area
Gross Area	3,288 sqft
1st Floor Area	1,152 sqft
Upper Floors Area	1,152 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Custom Design
Exterior Material	Logs
Construction Type	Log
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	190,357 sqft (4.37 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	456 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4425 CYPRESS DR
City	SAINT CLOUD
State	FL
Zip	34772-8010
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAC
Legal Description	S L & I C PB B PG 11 W 1/2 OF LOTS 114 & 127 LESS S 20 FT FOR RD R/W
Legal Range	30E
Legal Township	26S
Legal Section	24
Legal Subdivision	S L & I C
Legal Tract	4950
Legal Block	1140
Legal Lot Number	114
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2026
Census Tract	43304

Owner

Source: Osceola County records, as of November 26, 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 Record
Mailing Address	4425 CYPRESS DR, SAINT CLOUD, FL 34772-8010
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jan 5, 2024	Warranty Deed, Transfer · Conventional Mortgage FOUNDATION MORTGAGE CORP
Jan 26, 2023	Warranty Deed, Transfer · Balloon Mortgage CAPITAL FUNDINGS LLC
Nov 22, 2022	Intrafamily Transfer, Transfer UNKNOWN, ALL FLORIDA TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 5, 2024 · Amount on Record
Deed Sale	Jan 5, 2024 · Amount on Record
Prior Sale	Jan 26, 2023 · Amount on Record
Deed Document Number	20241427
Deed Book / Page	6529 / 442
Prior Transfer Date	Nov 18, 2022
Prior Transfer Doc	0063181083
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4425 CYPRESS DR, SAINT CLOUD, FL 34772-8010
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4425 CYPRESS DR, SAINT CLOUD, FL 34772-8010

Mortgage

Document Number	0060242669
Date	Aug 18, 2021
Book Page	6024/2669
Instrument	2021127828

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 5, 2024
Property Address	4425 CYPRESS DR, SAINT CLOUD, FL 34772-8010
Document Number	0065290442
Book / Page	6529 / 442
Map Reference	MB B PG 11
Instrument Date	Dec 28, 2023
Instrument	2024001427
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	UNIK TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,743.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3024 ROLLMAN RD, ORLANDO, FL 32837-7308

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4425 CYPRESS DR, SAINT CLOUD, FL 34772-8010

Mortgage

Document Number	0006529444
Date	Jan 5, 2024
Instrument	6529/444

Lender

Name	FOUNDATION MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 26, 2023
Property Address	4425 CYPRESS DR, SAINT CLOUD, FL 34772-8010
Document Number	0063490859
Book / Page	6349 / 859
Map Reference	MB B PG 11
Instrument Date	Jan 25, 2023
Instrument	2023009975
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	UNKNOWN, ALL FLORIDA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,660.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4425 CYPRESS DR, SAINT CLOUD, FL 34772-8010

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3024 ROLLMAN RD, ORLANDO, FL 32837-7308

Mortgage

Document Number	0006349861
Date	Jan 26, 2023
Instrument	6349/861

Lender

Name	CAPITAL FUNDINGS LLC
Type	Non-Lending Institution

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Nov 22, 2022
Property Address	4425 CYPRESS DR, SAINT CLOUD, FL 34772-8010
Document Number	0063181083
Book / Page	6318 / 1083
Map Reference	MB B PG 11
Instrument Date	Nov 18, 2022
Instrument	2022168891
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	UNKNOWN, ALL FLORIDA TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4425 CYPRESS DR, SAINT CLOUD, FL 34772-8010

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4425 CYPRESS DR, SAINT CLOUD, FL 34772-8010

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	$6,494.00 (-3.33%)	$458,200 (+128.36%) Land $161,700 Building $296,500	$458,200 (+6.38%) Land $161,700 Building $296,500
2024	$6,718.00 (+134.65%)
2023	$2,863.00 (+4.6%) Homeowner's exemption	$200,652 (+3%)	$430,700 (+13.37%) Land $148,600 Building $282,100
2022	$2,737.00 Homeowner's exemption	$194,808	$379,900 Land $139,800 Building $240,100

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 X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 36 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	36 in force

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 66% of the US · above 44% 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	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 133 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: Xfinity.

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