4681 Sidesaddle Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4681 Sidesaddle Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,992 sqft · built 2023
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$424,500 (Oct 2023)
Tax Bill	$4,140 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`212630364300019640`

Property Details

APN / Parcel Number

Primary APN	`212630364300019640`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,992 sqft Heated Area
Gross Area	2,508 sqft
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	5,663 sqft (0.13 acres)
Garage Type	Finished
Porch	Open Porch
Porch Area	116 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4681 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 964
Legal Lot Number	1,964
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1004
Census Tract	43209

Owner

Source: Osceola County records · APN 212630364300019640

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	4681 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	Oct 18, 2023 · Amount on Record
Deed Sale	Oct 18, 2023 · Amount on Record
Deed Document Number	2023137243
Deed Book / Page	6491 / 1821
Record Updated	Jun 08, 2026

October 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 18, 2023
Property Address	4681 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6328
Document Number	0064911821
Book / Page	6491 / 1821
Map Reference	MB 33 PG 1-5
Instrument Date	Oct 16, 2023
Instrument	2023137243
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 26, 2024
Title Company	CAREFREE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,971.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5337 MILLENIA LAKES BLVD STE 410, 410, ORLANDO, FL 32839-6302

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4681 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6328

Mortgage

Document Number	0064911824
Date	Oct 18, 2023
Instrument	6491/1824

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2053

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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,140.00 Homeowner's exemption Widower's exemption	$186,099	$347,500 Land $70,000 Building $277,500

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 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	Hurricane Ian, Oct 2022 · 2 claims

Wildfire

Wildfire Risk	High above 80% of the US · above 69% of Florida
Wildfire Likelihood	About 1 in 147 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 43 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: T-Mobile USA, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.