Osceola County property record for 4615 Sidesaddle Trl, Saint Cloud, FL 34772 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,680 sqft · built 2024 |
| Lot Size | 0.13 acres (5,662 sqft) |
| Owner | Individual Name on File |
| Last Sale | $414,200 (Apr 2024) |
| Tax Bill | $7,421 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Apr 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-26-30-3643-0001-9540 |
| Primary APN | 21-26-30-3643-0001-9540 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,680 sqft Living Area |
| Gross Area | 2,204 sqft |
| 1st Floor Area | 1,680 sqft |
| Flooring | Tile |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,662 sqft (0.13 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 104 sqft |
| Heating System | HVAC |
|---|
| Street Address | 4615 SIDESADDLE TRL |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-6327 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EDGEWATER ED-4 LOT 1 REPLAT PB 33 PGS 1-5 LOT 954 |
| Legal Subdivision | REPLAT |
| Legal Lot Number | 1,954 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 43209 |
Source: Osceola County records · APN 21-26-30-3643-0001-9540
Assessment roll updated November 26, 2025 · Last verified May 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 | 4615 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6327 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| May 01, 2026 | Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT |
| Apr 02, 2024 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage LOANDEPOT.COM LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 02, 2024 · Amount on Record |
| Deed Sale | Apr 02, 2024 · Amount on Record |
| Deed Document Number | 202440971 |
| Deed Book / Page | 6574 / 1214 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 01, 2026 |
| Property Address | 4615 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6327 |
| Document Number | 0000057690 |
| Book / Page | 6964 / 2333 |
| Instrument Date | Mar 24, 2026 |
| Instrument | 202657690 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4615 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6327 |
| Document Number | 0000057690, |
|---|---|
| Date | May 01, 2026 |
| Book Page | 6964/2333 |
| Instrument | 202657690 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 335 Months |
| Due | Apr 01, 2054 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 02, 2024 |
| Property Address | 4615 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6327 |
| Document Number | 0065741214 |
| Book / Page | 6574 / 1214 |
| Map Reference | MB 33 PGS 1 |
| Instrument Date | Mar 29, 2024 |
| Instrument | 2024040971 |
| 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 | $2,899.40 |
| 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 | 4615 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6327 |
| Document Number | 2024040972 |
|---|---|
| Date | Apr 02, 2024 |
| Instrument | 2024040972 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | Annually |
| Min Rate At Change | 4.5% |
| Max Rate At Change | 6.5% |
| Index | 1-Year CMT |
| Max Rate | 5% |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified May 2026
| 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 | $7,421.00 (+179.09%) | $321,300 Land $70,000 Building $251,300 | $321,300 Land $70,000 Building $251,300 |
| 2024 | $2,659.00 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432091, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 136 individual NFIP policies nearby |
| 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, other causes, Hurricane Ian |
| Claims By Storm |
|
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 40 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Lumen Technologies | Fiber | 8,000 / 8,000 |
| Xfinity | Cable | 2,000 / 250 |
| Spectrum | Fiber | 1,000 / 1,000 |
| AT&T | Fixed Wireless | 100 / 20 |
May also be available at this address: AT&T, Spectrum, T-Mobile USA, Hotwire Communications, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures