4501 Sidesaddle Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4501 Sidesaddle Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Planned Unit Development
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$439,000 (Nov 2025)
Tax Bill	$2,723 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`212630364300018440`

Property Details

APN / Parcel Number

Primary APN	`212630364300018440`

Exterior

Lot Area	6,534 sqft (0.15 acres)

Location & Zoning

Street Address	4501 SIDESADDLE TRL
City	SAINT CLOUD
State	FL
Zip	34772-6325
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Legal Description	EDGEWATER ED-4 LOT 1 REPLAT PB 33 PGS 1-5 LOT 844
Legal Lot Number	1,844
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1004
Census Tract	43209

Owner

Source: Osceola County records · APN 212630364300018440

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	Individual Name on File
Mailing Address	4501 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6325
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 21, 2025 · Amount on Record
Deed Sale	Nov 21, 2025 · Amount on Record
Deed Document Number	2025144081
Deed Book / Page	6884 / 67
Record Updated	Jun 08, 2026

November 2025: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 21, 2025
Property Address	4501 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6325
Document Number	0068840067
Book / Page	6884 / 67
Map Reference	MB 33 PG 1-5
Instrument Date	Nov 20, 2025
Instrument	2025144081
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	CAREFREE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,073.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5337 MILLENIA LAKES BOULEVARD STE 410, 410, ORLANDO, FL 32839-6302

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4501 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6325

Mortgage

Document Number	0000688470
Date	Nov 21, 2025
Instrument	6884/70

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	3.99%
Type Change Date	Jan 01, 2031
Change Frequency	Annually
Min Rate At Change	2.99%
Max Rate At Change	4.99%
Index	1-Year CMT
Max Rate	5%

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
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	$2,723.00	$70,000 Land $70,000	$70,000 Land $70,000

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

Wildfire

Wildfire Risk	High above 78% of the US · above 67% of Florida
Wildfire Likelihood	About 1 in 169 per year
Exposure	Direct burnable vegetation at the parcel

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