Osceola County property record for 4634 Sidesaddle Trl, Saint Cloud, FL 34772 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2024 |
| Square Footage | 2,633 sqft Living Area |
| Lot Size | 5,662 sqft (0.13 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $464,900 (2024) |
| Tax Bill | $6,683.00 (2025) |
| Primary APN | 21-26-30-3643-0001-9700 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,633 sqft Living Area |
| Gross Area | 3,191 sqft Gross Area |
| 1st Floor | 1,282 sqft 1st Floor |
| Stories | 2 Stories |
| Primary Flooring | Tile Flooring |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 5,662 sqft (0.13 acres) |
| Garage Type | Attached Garage |
| Garage Area | 420 sqft Garage |
| Porch Area | 80 sqft Porch |
| Heating System | HVAC Heating |
|---|
| Street Address | 4634 SIDESADDLE TRL |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-6326 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | EDGEWATER ED-4 LOT 1 REPLAT PB 33 PGS 1-5 LOT 970 |
| Legal Subdivision | REPLAT |
| Legal Lot Number | 1,970 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1004 |
| Census Tract | 43209 |
Source: Osceola County records · APN 21-26-30-3643-0001-9700
Assessment roll updated November 26, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4634 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6326 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Aug 06, 2026 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage MORTGAGE CONNECT |
| Oct 15, 2025 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Apr 03, 2024 | Special Warranty Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 03, 2024 · Amount on Record |
| Deed Sale | Apr 03, 2024 · Amount on Record |
| Deed Doc Number | 202441906 |
| Deed Book / Page | 6575 / 2027 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 06, 2026 |
| Property Address | 4634 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6326 |
| Document Number | 0000102892 |
| Book / Page | 7016 / 520 |
| Instrument Date | Jul 16, 2026 |
| Instrument | 2026102892 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2026 |
| Title Company | MORTGAGE CONNECT |
| Name | Verified Name |
|---|---|
| Address | 4634 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6326 |
| Document Number | 0000102892, |
|---|---|
| Date | Aug 06, 2026 |
| Book Page | 7016/520 |
| Instrument | 2026102892 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2056 |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4634 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6326 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 4634 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6326 |
| Document Number | 0068642368 |
|---|---|
| Date | Oct 15, 2025 |
| Book Page | 6864/2368 |
| Instrument | 2025127649 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 342 Months |
| Due | Apr 01, 2054 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 03, 2024 |
| Property Address | 4634 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6326 |
| Document Number | 0065752027 |
| Book / Page | 6575 / 2027 |
| Map Reference | MB 33 PGS 1 |
| Instrument Date | Mar 29, 2024 |
| Instrument | 2024041906 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | ETITLE AGENCY INC, TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,254.30 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5337 MILLENIA LAKES BOULEVARD STE 410, 410, ORLANDO, FL 32839-6302 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 4634 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6326 |
| Document Number | 2024041907 |
|---|---|
| Date | Apr 03, 2024 |
| Instrument | 2024041907 |
| Name | PARAMOUNT RESIDENTIAL MORTGAGE GROU |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2054 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 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 | $6,683.00 | $323,190 | $376,200 Land $70,000 Building $306,200 |
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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