4731 Cypress Forest Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4731 Cypress Forest Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,087 sqft · built 2011
Lot Size	0.285 acres (12,458 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Nov 2011)
Tax Bill	$4 (2025)
Deeds & Mortgages	Oct 2018 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`153909`

Property Details

APN / Parcel Number

Primary APN	`153909`
Alternative APN	`222630060700011160`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,087 sqft Heated Area
Gross Area	4,126 sqft
1st Floor Area	3,087 sqft
Flooring	Tile
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	12,458 sqft (0.285 acres)
Garage Type	Finished
Garage Area	587 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	233 sqft
Porch	Open Porch
Porch Area	452 sqft
Deck Area	487 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	153909
Street Address	4731 CYPRESS FOREST LN
City	SAINT CLOUD
State	FL
Zip	34772-7209
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	CYPRESS PRESERVE PB 19 PG 193-199 LOT 116
Legal Range	30E
Legal Township	26S
Legal Section	22
Legal Subdivision	CYPRESS PRESERVE
Legal Tract	607
Legal Block	1
Legal Lot Number	116
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	4731 CYPRESS FOREST LN, SAINT CLOUD, FL 34772-7209
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2018	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK
Oct 10, 2019	Deed of Trust, Mortgage · VA Mortgage SUNTRUST BANK
May 4, 2020	Deed of Trust, Mortgage · Line of Credit TRUIST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2011 · Amount on Record
Deed Sale	Nov 17, 2011 · Amount on Record
Deed Document Number	2011160695
Deed Book / Page	4200 / 0593
Record Updated	Jun 8, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4731 CYPRESS FOREST LN, SAINT CLOUD, FL 34772-7209
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054122496
Date	Oct 4, 2018
Book Page	5412/2496
Instrument	2018149726

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4731 CYPRESS FOREST LN, SAINT CLOUD, FL 34772-7209
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056032148
Date	Oct 10, 2019
Book Page	5603/2148
Instrument	2019131009

Lender

Name	SUNTRUST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4731 CYPRESS FOREST LN, SAINT CLOUD, FL 34772-7209
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057171938
Date	May 4, 2020
Book Page	5717/1938
Instrument	2020060127

Lender

Name	TRUIST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$248,746 (+5.99%)	$486,600 (+4.06%) Land $80,000 Building $406,600
2023	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$234,696 (+3%)	$467,600 (+18.71%) Land $70,000 Building $397,600
2022	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$227,861	$393,900 Land $60,000 Building $333,900

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

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.

Nearby Properties on Cypress Forest Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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