4513 Sidesaddle Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4513 Sidesaddle Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Vacant Land
Lot Size	0.13 acres (5,662 sqft)
Owner	Individual Name on File
Last Sale	$420,000 (Jun 2026)
Tax Bill	$2,723 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-26-30-3643-0001-8460`

Property Details

APN / Parcel Number

Primary APN	`21-26-30-3643-0001-8460`
Alternative APN	`263021364300018460`

Exterior

Lot Area	5,662 sqft (0.13 acres)

Location & Zoning

Street Address	4513 SIDESADDLE TRL
City	SAINT CLOUD
State	FL
Zip	34772-6325
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	EDGEWATER ED-4 LOT 1 REPLAT PB 33 PGS 1-5 LOT 846
Legal Subdivision	EDGEWATER ED4 LOT 1 REPLAT
Legal Lot Number	1,846
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1004
Census Tract	43209

Owner

Source: Osceola County records · APN 21-26-30-3643-0001-8460

Assessment roll updated November 26, 2025 · Last verified June 2026

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	4513 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6325
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 08, 2026 · Amount on Record
Deed Sale	Jun 08, 2026 · Amount on Record
Deed Document Number	202674738
Deed Book / Page	6984 / 297
Record Updated	Sep 20, 2026

June 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 08, 2026
Property Address	4513 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6325
Document Number	0000074738
Book / Page	6984 / 297
Instrument Date	Jun 05, 2026
Instrument	202674738
Transaction Type	Transfer
Record Updated	Jun 15, 2026
Title Company	CAREFREE TITLE AGENCY INC, CAREFREE TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$296,940.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4513 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6325

Mortgage

Document Number	0000074739,
Date	Jun 08, 2026
Instrument	202674739

Lender

Name	OBSIDIAN FINANCIAL SERVICES INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate	6.23%
Max Rate	-1%

Tax Assessment & Valuation

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

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 as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 136 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	136 in force
Nearby Flood Claims	4 (2011–2022)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 claims

Wildfire

Wildfire Risk	High above 78% of the US · above 66% of Florida
Wildfire Likelihood	0.6% annual chance
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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Hotwire Communications, T-Mobile USA, Verizon.

Based on FCC filings for 40 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.