4691 Cypress Forest Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4691 Cypress Forest Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,970 sqft · built 2010
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$172,000 (Nov 2011)
Tax Bill	$2,717 (2025)
Deeds & Mortgages	Jul 2019 Mortgage Jan 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`153911`

Property Details

APN / Parcel Number

Primary APN	`153911`
Alternative APN	`222630060700011180`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,970 sqft Heated Area
Gross Area	2,995 sqft
1st Floor Area	1,970 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Finished
Garage Area	684 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	312 sqft
Porch	Open Porch
Porch Area	341 sqft
Deck Area	617 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	153911
Street Address	4691 CYPRESS FOREST LN
City	SAINT CLOUD
State	FL
Zip	34772-7208
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	CYPRESS PRESERVE PB 19 PG 193-199 LOT 118
Legal Range	30E
Legal Township	26S
Legal Section	22
Legal Subdivision	CYPRESS PRESERVE
Legal Tract	607
Legal Block	1
Legal Lot Number	118
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2015
Census Tract	43208

Owner

Source: Osceola County records, as of December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	4691 CYPRESS FOREST LN, SAINT CLOUD, FL 34772-7208
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jan 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
May 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2011 · Amount on Record
Deed Sale	Nov 1, 2011 · Amount on Record
Deed Document Number	0041961265
Deed Book / Page	4196 / 1265
Last Transfer Date	Nov 4, 2011
Transfer Doc	0041961264
Record Updated	Jun 8, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4691 CYPRESS FOREST LN, SAINT CLOUD, FL 34772-7208
Document Number	0055592003
Instrument Date	Jul 15, 2019
Transaction Type	Mortgage
Record Updated	Aug 1, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4691 CYPRESS FOREST LN ST CLOUD FL 347727208, ST CLOUD, FL 34772-7208

Mortgage

Document Number	0055592003
Date	Jul 19, 2019
Book Page	005559/002003
Instrument	93302

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 18, 2034

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4691 CYPRESS FOREST LN, SAINT CLOUD, FL 34772-7208
Document Number	0054711263
Instrument Date	Jan 28, 2019
Transaction Type	Mortgage
Record Updated	Feb 15, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4691 CYPRESS FOREST LN ST CLOUD FL 347727208, ST CLOUD, FL 34772-7208

Mortgage

Document Number	0054711263
Date	Feb 1, 2019
Book Page	005471/001263
Instrument	13719

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 31, 2039

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4691 CYPRESS FOREST LN, SAINT CLOUD, FL 34772-7208
Document Number	0053401092
Instrument Date	May 21, 2018
Transaction Type	Mortgage
Record Updated	Jul 2, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4691 CYPRESS FOREST LN ST CLOUD FL 347727208, ST CLOUD, FL 34772-7208

Mortgage

Document Number	0053401092
Date	May 25, 2018
Book Page	005340/001092
Instrument	82808

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 24, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,717.00 (+6.59%) Homeowner's exemption	$194,719 (+5.99%)	$365,200 (+4.64%) Land $80,000 Building $285,200
2023	$2,549.00 (+3.83%) Homeowner's exemption	$183,721 (+3%)	$349,000 (+18.22%) Land $70,000 Building $279,000
2022	$2,455.00 Homeowner's exemption	$178,370	$295,200 Land $60,000 Building $235,200

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 41 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	41 in force
Nearby Flood Claims	2 (2015–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2020 · other causes

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 402 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 35
CenturyLink DSL · Fiber in parts of the area	140 / 20

May also be available: Verizon.

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