Osceola County property record for 4780 Cypress Forest Ln, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,087 sqft · built 2011 |
| Lot Size | 0.207 acres (9,017 sqft) |
| Owner | Individual Name on File |
| Last Sale | $610,000 (May 2025) |
| Tax Bill | $4,697 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 153896 |
| Primary APN | 153896 |
|---|---|
| Alternative APN |
|
| 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 |
| Year Built | Built 2011 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,017 sqft (0.207 acres) |
| Lot Dimensions | 125 ft deep x 72 ft wide |
| Garage Type | Finished |
| Garage Area | 587 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 36 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 452 sqft |
| Deck Area | 530 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 153896 |
|---|---|
| Street Address | 4780 CYPRESS FOREST LN |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CYPRESS PRESERVE PB 19 PG 193-199 LOT 103 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 22 |
| Legal Subdivision | CYPRESS PRESERVE |
| Legal Tract | 607 |
| Legal Block | 1 |
| Legal Lot Number | 103 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 43208 |
Source: Osceola County records · APN 153896
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 | 4780 CYPRESS FOREST LN, SAINT CLOUD, FL 34772-7211 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 02, 2025 · Amount on Record |
| Deed Sale | May 02, 2025 · Amount on Record |
| Prior Sale | Jan 03, 2012 · Amount on Record |
| Deed Document Number | 2025055382 |
| Deed Book / Page | 6780 / 2956 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4780 CYPRESS FOREST LN, SAINT CLOUD, FL 34772-7211 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4780 CYPRESS FOREST LN, SAINT CLOUD, FL 34772-7211 |
| Document Number | 0068560267 |
|---|---|
| Date | Sep 30, 2025 |
| Book Page | 6856/267 |
| Instrument | 2025120224 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Sep 25, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $4,697.00 (+6.05%) Homeowner's exemption | $305,343 (+5.99%) | $491,200 (+3.94%) Land $80,000 Building $411,200 |
| 2023 | $4,429.00 (+3.46%) Homeowner's exemption | $288,096 (+3%) | $472,600 (+18.42%) Land $70,000 Building $402,600 |
| 2022 | $4,281.00 Homeowner's exemption | $279,705 | $399,100 Land $60,000 Building $339,100 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432082, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 41 individual NFIP policies nearby |
| 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 |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 402 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Spectrum | Cable | 1,000 / 35 |
| Lumen Technologies | DSL | 140 / 20 |
May also be available at this address: Verizon, Spectrum, Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.
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