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4832 Cypress Creek Ranch Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4832 Cypress Creek Ranch Rd, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,596 sqft · built 2016
Lot Size4.94 acres (215,622 sqft)
OwnerIndividual Name on Record
Last Sale$337,500 (Jul 2019)
Tax Bill$2,581 (2025)
Deeds & MortgagesApr 2018 Mortgage
Jul 2019 Sale & Mortgage
Flood ZoneZone A (high risk)
APN122927

Property Details

APN / Parcel Number

Primary APN122927
Alternative APN
  • 092732000000550000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,596 sqft Heated Area
Gross Area2,634 sqft
1st Floor Area1,160 sqft
Attic Area436 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2016
Exterior MaterialAluminum Siding
Foundation TypeFooting
Roof TypeMansard
Roof MaterialBuilt-Up Asphalt
Lot Area215,622 sqft (4.94 acres)
Garage TypeMixed
Garage Area638 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Screened Porch
Porch Area230 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number122927
Street Address4832 CYPRESS CREEK RANCH RD
CitySAINT CLOUD
StateFL
Zip34771-8911
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeOAC
Legal DescriptionBEG AT SE COR SEC 9, E 107.86 FT TO POB; N 638.55 FT, E 228.03 FT, S 20 DEG E 685.96 FT, W 450.88 FT TO POB
Legal Range32E
Legal Township27S
Legal Section09
Legal SubdivisionCYPRESS CRK RNCH UN1
Legal Block55
JurisdictionOSCEOLA FL
Township / Civil DivisionSOUTH AND EAST OSCEOLA
Census Block Group1
Census Block1017
Census Tract43802

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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address4832 CYPRESS CREEK RANCH RD, SAINT CLOUD, FL 34771-8911
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 27, 2018Deed of Trust, Mortgage · Commercial Mortgage
CENTERSTATE BANK
Jul 11, 2019Warranty Deed, Transfer · Conventional Mortgage
WATSOR MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 11, 2019 · Amount on Record
Deed SaleJul 11, 2019 · Amount on Record
Deed Document Number0055551746
Deed Book / Page5555 / 1746
Record UpdatedJun 8, 2026

April 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4832 CYPRESS CREEK RANCH RD, SAINT CLOUD, FL 34771-8911
Transaction TypeMortgage
Record UpdatedMay 2, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0053240332
DateApr 27, 2018
Book Page5324/0332
Instrument2018067094
Lender
NameCENTERSTATE BANK
TypeBank
AddressSAINT CLOUD, FL 34769
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term120 Months
DueApr 12, 2028
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

July 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 11, 2019
Property Address4832 CYPRESS CREEK RANCH RD, SAINT CLOUD, FL 34771-8911
Document Number0055551746
Book / Page5555 / 1746
Instrument DateJul 11, 2019
Instrument2019089428
Transaction TypeTransfer
Record UpdatedMay 2, 2022
Title CompanySTEWART TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,362.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address369 NIKOMAS WAY, 369, MELBOURNE BEACH, FL 32951-3528

Transferred To (Grantee/Buyer)

NameVerified Name
Address4832 CYPRESS CREEK RANCH RD, SAINT CLOUD, FL 34771-8911

Mortgage

Document Number0055551747
DateJul 11, 2019
Instrument5555/1747
Lender
NameWATSOR MORTGAGE CORP
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2049

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,581.00 (+8.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$180,717 (+5.99%)$408,600 (+47.83%) Land $138,600 Building $270,000
2023$2,372.00 (+5%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$170,509 (+3%)$276,400 (+10.6%) Land $99,000 Building $177,400
2022$2,259.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$165,543$249,900 Land $99,000 Building $150,900

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.

Flood

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

FEMA Flood ZoneZone A
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationNot determined for this zone
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 110 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies110 in force
Nearby Flood Claims1 (2022)
Most Recent ClaimSep 2022 · Hurricane Ian

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 RiskHigh
above 88% of the US · above 81% of Florida
Wildfire Likelihood1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemTOHO WATER AUTHORITY-POINCIANA SYSTEM
public/private · serves 69,447 people · EPA ID FL3494429
Water SourceGroundwater
Last State InspectionMar 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 26 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Fiber		1,000 / 1,000

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