4900 Cypress Hammock Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4900 Cypress Hammock Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,819 sqft · built 2013
Lot Size	0.215 acres (9,365 sqft)
Owner	Individual Name on File
Last Sale	$590,000 (Aug 2021)
Tax Bill	$712 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`17-25-31-3164-0001-0310`

Property Details

APN / Parcel Number

Primary APN	`17-25-31-3164-0001-0310`
Alternative APN	`253117316400010310`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,819 sqft Living Area
Gross Area	5,075 sqft
1st Floor Area	1,641 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	9,365 sqft (0.215 acres)
Lot Dimensions	125 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	748 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	4900 CYPRESS HAMMOCK DR
City	SAINT CLOUD
State	FL
Zip	34771-8921
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EAST LAKE PARK PH 3-5 PB 20 PG 64-68 LOT 31
Legal Range	31E
Legal Township	25S
Legal Section	17
Legal Subdivision	EAST LAKE PARK PHS 3-5
Legal Phase	3-5
Legal Block	1
Legal Lot Number	31
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43600

Owner

Source: Osceola County records · APN 17-25-31-3164-0001-0310

Assessment roll updated November 26, 2025 · Last verified April 2026

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
Mailing Address	4900 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8921
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 18, 2021 · Amount on Record
Deed Sale	Aug 18, 2021 · Amount on Record
Prior Sale	Oct 19, 2016 · Amount on Record
Deed Document Number	2021128357
Deed Book / Page	6025 / 1387
Prior Transfer Date	Nov 09, 2020
Prior Transfer Doc	0058352467
Record Updated	Jun 08, 2026

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 18, 2021
Property Address	4900 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8921
Document Number	0060251387
Book / Page	6025 / 1387
Map Reference	MB 20 PG 64-68
Instrument Date	Aug 13, 2021
Instrument	2021128357
Transaction Type	Transfer
Record Updated	Sep 02, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,130.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4767 NEW BROAD ST, 4767, ORLANDO, FL 32814-6405

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4900 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8921

Mortgage

Document Number	60251390
Date	Aug 18, 2021
Instrument	6025/1390

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2051

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$712.00 (-90.41%) Homeowner's exemption Veteran's exemption	$552,928 (+5.99%)	$590,800 (+1.67%) Land $95,000 Building $495,800
2024	$7,422.00 (+2.01%)
2023	$7,276.00 (+3.59%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$521,695 (+3%)	$581,100 (+14.73%) Land $95,000 Building $486,100
2022	$7,024.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$506,500 Land $68,000 Building $438,500	$506,500 Land $68,000 Building $438,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	61.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 278 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	278 in force
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	2 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 claims

Wildfire

Wildfire Risk	Moderate above 64% of the US · above 40% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Lumen Technologies, Xfinity.

Based on FCC filings for 122 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.