4720 Cypress Forest Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4720 Cypress Forest Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 4,239 sqft · built 2011
Lot Size	0.292 acres (12,720 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Apr 2017)
Tax Bill	$5,225 (2025)
Deeds & Mortgages	Oct 2025 Second Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`153890`

Property Details

APN / Parcel Number

Primary APN	`153890`
Alternative APN	`222630060700010970`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,239 sqft Heated Area
Gross Area	4,958 sqft
1st Floor Area	1,901 sqft
Upper Floors Area	2,338 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,720 sqft (0.292 acres)
Garage Type	Finished
Garage Area	589 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	130 sqft
Patio Area	84 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	153890
Street Address	4720 CYPRESS FOREST LN
City	SAINT CLOUD
State	FL
Zip	34772-7211
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	CYPRESS PRESERVE PB 19 PG 193-199 LOT 97
Legal Range	30E
Legal Township	26S
Legal Section	22
Legal Subdivision	CYPRESS PRESERVE
Legal Tract	607
Legal Block	1
Legal Lot Number	97
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2015
Census Tract	43208

Owner

Source: Osceola County assessment roll, as of July 1, 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	4720 CYPRESS FOREST LN, SAINT CLOUD, FL 34772-7211
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FAIRWINDS CU
Apr 4, 2017	Warranty Deed, Transfer · Conventional Mortgage FAIRWINDS CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 4, 2017 · Amount on Record
Deed Sale	Apr 4, 2017 · Amount on Record
Prior Sale	May 12, 2011 · Amount on Record
Deed Document Number	2017050533
Deed Book / Page	5126 / 1663
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4720 CYPRESS FOREST LN, SAINT CLOUD, FL 34772-7211
Transaction Type	Mortgage
Record Updated	Oct 27, 2025
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4720 CYPRESS FOREST LN, SAINT CLOUD, FL 34772-7211

Mortgage

Document Number	0068650592
Date	Oct 15, 2025
Book Page	6865/592
Instrument	2025128008

Lender

Name	FAIRWINDS CU
Type	Credit Union
Address	ORLANDO, FL 32826

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 14, 2040

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 4, 2017
Property Address	4720 CYPRESS FOREST LN, SAINT CLOUD, FL 34772-7211
Document Number	0051261663
Book / Page	5126 / 1663
Map Reference	MB19 PG193
Instrument Date	Mar 31, 2017
Instrument	2017050533
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	QUALITY TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6809 ROLLING RD, 6809, SPRINGFIELD, VA 22152-3429

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5975 LAKE POINTE VILLAGE CIR APT 714, 714, ORLANDO, FL 32822-3569

Mortgage

Document Number	0051261665
Date	Apr 4, 2017
Instrument	5126/1665

Lender

Name	FAIRWINDS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2047

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	$5,225.00 (+5.98%) Homeowner's exemption	$334,808 (+5.99%)	$518,400 (-5.14%) Land $80,000 Building $438,400
2023	$4,930.00 (+3.42%) Homeowner's exemption	$315,897 (+3%)	$546,500 (+19.61%) Land $70,000 Building $476,500
2022	$4,767.00 Homeowner's exemption	$306,697	$456,900 Land $60,000 Building $396,900

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

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
Lumen Technologies DSL · Fiber in parts of the area	140 / 20

May also be available: Verizon.

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