1. Home
  2. Florida
  3. Osceola County
  4. Saint Cloud
  5. Sidesaddle Trl

4646 Sidesaddle Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4646 Sidesaddle Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,339 sqft · built 2024
Lot Size0.13 acres (5,663 sqft)
OwnerIndividual Name on File
Last Sale$455,300 (Feb 2024)
Tax Bill$7,188 (2025)
Deeds & MortgagesJul 2025 Line of Credit
Feb 2024 Sale
Flood ZoneZone X (minimal risk)
APN212630364300019680

Property Details

APN / Parcel Number

Primary APN212630364300019680

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories2 Stories
Building Area2,339 sqft Heated Area
Gross Area2,888 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2024
Exterior MaterialMetal
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,663 sqft (0.13 acres)
Garage TypeFinished
PorchOpen Porch
Porch Area80 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address4646 SIDESADDLE TRL
CitySAINT CLOUD
StateFL
Zip34772-6326
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionEDGEWATER ED-4 LOT 1 REPLAT PB 33 PGS 1-5 LOT 968
Legal Lot Number1,968
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1004
Census Tract43209

Owner

Source: Osceola County records · APN 212630364300019680

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
Mailing Address4646 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6326
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 15, 2025Deed of Trust, Mortgage · Line of Credit
FIGURE LENDING LLC
Feb 19, 2024Special Warranty Deed, Subdivision Related Transfer
CAREFREE TITLE AGENCY INC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleFeb 19, 2024 · Amount on Record
Deed SaleFeb 19, 2024 · Amount on Record
Deed Document Number2024021196
Deed Book / Page6551 / 1143
Record UpdatedJun 08, 2026

July 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4646 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6326
Transaction TypeMortgage
Record UpdatedDec 12, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address4646 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6326

Mortgage

Document Number0068180741
DateJul 15, 2025
Book Page6818/741
Instrument2025087185
Lender
NameFIGURE LENDING LLC
TypeMortgage Company
AddressCHARLOTTE, NC 28202
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJul 29, 2055
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

February 2024: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 19, 2024
Property Address4646 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6326
Document Number0065511143
Book / Page6551 / 1143
Map ReferenceMB 33 PG 1-5
Instrument DateFeb 16, 2024
Instrument2024021196
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 12, 2025
Title CompanyCAREFREE TITLE AGENCY INC

Transaction

AmountAmount Recorded
Tax$3,187.10
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

NameVerified Name
Address4646 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6326

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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$7,188.00 (+204.83%) Homeowner's exemption$351,400 (+680.89%) Land $70,000 Building $281,400$351,400 (+680.89%) Land $70,000 Building $281,400
2023$2,358.00$45,000 Land $45,000$45,000 Land $45,000

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

Nearby Properties on Sidesaddle Trl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures