Osceola County property record for 4585 Sidesaddle Trl, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2024 |
| Square Footage | 2,634 sqft Heated Area |
| Lot Size | 9,148 sqft (0.21 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $491,000 (2024) |
| Tax Bill | $8,368.00 (2025) |
| Primary APN | 212630364300018580 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,634 sqft Heated Area |
| Gross Area | 3,192 sqft Gross Area |
| Stories | 2 Stories |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2024 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,148 sqft (0.21 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Porch Area | 80 sqft Porch |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4585 SIDESADDLE TRL |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-6325 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EDGEWATER ED-4 LOT 1 REPLAT PB 33 PGS 1-5 LOT 858 |
| Legal Lot Number | 1,858 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 43209 |
Source: Osceola County records · APN 212630364300018580
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 4585 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6325 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 24, 2024 · Amount on Record |
| Deed Sale | Jul 24, 2024 · Amount on Record |
| Deed Document Number | 2024096504 |
| Deed Book / Page | 6638 / 766 |
| Record Updated | Jun 08, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 24, 2024 |
| Property Address | 4585 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6325 |
| Document Number | 0066380766 |
| Book / Page | 6638 / 766 |
| Map Reference | MB 33 PG 1-5 |
| Instrument Date | Jul 22, 2024 |
| Instrument | 2024096504 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | CAREFREE TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,437.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5337 MILLENIA LAKES BOULEVARD STE 410, 410, ORLANDO, FL 32839-6302 |
| Name | Verified Name |
|---|---|
| Address | 4585 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6325 |
| Document Number | 2024096505 |
|---|---|
| Date | Jul 24, 2024 |
| Instrument | 2024096505 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.37% |
| Type Change Date | Oct 01, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 4.37% |
| Max Rate At Change | 4.37% |
| Index | 1-Year T-Bill |
| Max Rate | 6.37% |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $8,368.00 | $374,200 Land $70,000 Building $304,200 | $374,200 Land $70,000 Building $304,200 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | High above 79% of the US · above 68% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 153 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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