4645 Sidesaddle Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4645 Sidesaddle Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2 Baths
Year Built	Built 2023
Square Footage	1,823 sqft Heated Area
Lot Size	6,098 sqft (0.139 acres)
Occupancy	Owner Occupied
Last Sale	$423,800 (2024)
Tax Bill	$7,596.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`212630364300019580`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,823 sqft Heated Area
Gross Area	2,374 sqft Gross Area
Stories	1 Story
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.139 acres)
Garage Type	Finished
Porch	Open Porch
Porch Area	110 sqft Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4645 SIDESADDLE TRL
City	SAINT CLOUD
State	FL
Zip	34772-6328
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EDGEWATER ED-4 LOT 1 REPLAT PB 33 PGS 1-5 LOT 958
Legal Lot Number	1,958
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1004
Census Tract	43209

Owner

Source: Osceola County records · APN 212630364300019580

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	4645 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6328
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 27, 2024 · Amount on Record
Deed Sale	Mar 27, 2024 · Amount on Record
Deed Document Number	2024038988
Deed Book / Page	6571 / 2458
Record Updated	Jun 08, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4645 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6328
Transaction Type	Mortgage
Record Updated	May 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1828 CAMBRELLE WAY, SAINT CLOUD, FL 34769-5470

Mortgage

Document Number	0065712461
Date	Mar 27, 2024
Book Page	6571/2461
Instrument	2024038989

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	6561 IRVINE CENTER DR, IRVINE, CA 92618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2054

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 01, 2029
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	6.25%
Index	1-Year CMT
Max Rate	5%

Tax Assessment & Valuation

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

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 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	$7,596.00	$331,100 Land $70,000 Building $261,100	$331,100 Land $70,000 Building $261,100

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

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.