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4633 Sidesaddle Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4633 Sidesaddle Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,633 sqft · built 2023
Lot Size0.15 acres (6,534 sqft)
OwnerIndividual Name on File
Last Sale$489,900 (Dec 2023)
Tax Bill$7,460 (2025)
Deeds & MortgagesDec 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN212630364300019570

Property Details

APN / Parcel Number

Primary APN212630364300019570

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,633 sqft Heated Area
Gross Area3,111 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2023
Exterior MaterialFiber Cement Siding
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,534 sqft (0.15 acres)
Garage TypeFinished
PorchOpen Porch
Porch Area58 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address4633 SIDESADDLE TRL
CitySAINT CLOUD
StateFL
Zip34772-6327
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionEDGEWATER ED-4 LOT 1 REPLAT PB 33 PGS 1-5 LOT 957
Legal Lot Number1,957
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1004
Census Tract43209

Owner

Source: Osceola County records · APN 212630364300019570

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address4633 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6327
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 20, 2023 · Amount on Record
Deed SaleDec 20, 2023 · Amount on Record
Deed Document Number2023166011
Deed Book / Page6523 / 37
Record UpdatedJun 08, 2026

December 2023: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 20, 2023
Property Address4633 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6327
Document Number0065230037
Book / Page6523 / 37
Map ReferenceMB 33 PG 1-5
Instrument DateDec 18, 2023
Instrument2023166011
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 22, 2024
Title CompanyCAREFREE TITLE AGENCY INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,429.30
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5337 MILLENIA LAKES BLVD STE 410, 410, ORLANDO, FL 32839-6302

Transferred To (Grantee/Buyer)

NameVerified Name
Address4633 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6327

Mortgage

Document Number0000652340
DateDec 20, 2023
Instrument6523/40
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2054
Interest
Rate TypeAdjustable Rate
Rate5.5%
Type Change DateApr 01, 2029
Change FrequencyAnnually
Min Rate At Change4.5%
Max Rate At Change6.5%
Index1-Year T-Bill
Max Rate6.5%

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$7,460.00 Homeowner's exemption$366,600 Land $70,000 Building $296,600$366,600 Land $70,000 Building $296,600

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 136 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies136 in force
Nearby Flood Claims4 (2011–2022)
Claims Outside the SFHA1 of 4
Most Recent ClaimOct 2022, other causes, Hurricane Ian
Claims By Storm
  • Hurricane Ian, Oct 2022 · 2 claims

Wildfire

Wildfire RiskHigh
above 79% of the US · above 68% of Florida
Wildfire LikelihoodAbout 1 in 153 per year
ExposureDirect
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, availability as of December 31, 2025 · Published October 2026 · based on 40 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber8,000 / 8,000
XfinityCable2,000 / 250
SpectrumFiber1,000 / 1,000
AT&TFixed Wireless100 / 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.

Mobile Coverage

5G and 4G LTE

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