Osceola County property record for 4906 Cypress Hammock Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,190 sqft · built 2013 |
| Lot Size | 0.216 acres (9,409 sqft) |
| Owner | Individual Name on File |
| Last Sale | $475,000 (Sep 2020) |
| Tax Bill | $4,754 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Sep 2020 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 157609 |
| Primary APN | 157609 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,190 sqft Heated Area |
| Gross Area | 4,289 sqft |
| 1st Floor Area | 1,818 sqft |
| Upper Floors Area | 1,372 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Tile |
| Lot Area | 9,409 sqft (0.216 acres) |
| Garage Type | Finished |
| Garage Area | 611 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 25 sqft |
|---|---|
| Porch | Finished/Screened Porch |
| Porch Area | 488 sqft |
| Deck Area | 719 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 157609 |
|---|---|
| Street Address | 4906 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 34 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 17 |
| Legal Subdivision | EAST LK PK PH 3-5 |
| Legal Phase | 3-5 |
| Legal Tract | 3164 |
| Legal Block | 1 |
| Legal Lot Number | 34 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43600 |
Source: Osceola County records · APN 157609
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 | 2 Verified Secondary Owners |
| Mailing Address | 4906 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8921 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 16, 2022 | Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC |
| Sep 15, 2020 | Warranty Deed, Transfer · Conventional Mortgage HOMETOWN EQUITY MORTGAGE |
| Deed Names | 3 Verified Names on Deed |
|---|---|
| Last Sale | Sep 15, 2020 · Amount on Record |
| Deed Sale | Sep 15, 2020 · Amount on Record |
| Prior Sale | Aug 30, 2011 · Amount on Record |
| Deed Document Number | 2020123468 |
| Deed Book / Page | 5794 / 416 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4906 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8921 |
| Transaction Type | Mortgage |
| Record Updated | Aug 01, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 4906 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8921 |
| Document Number | 0061731175 |
|---|---|
| Date | Mar 16, 2022 |
| Book Page | 6173/1175 |
| Instrument | 2022042486 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Address | TUSTIN, CA 92780 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 15, 2020 |
| Property Address | 4906 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8921 |
| Document Number | 0057940416 |
| Book / Page | 5794 / 416 |
| Map Reference | MB 20 PG 64 |
| Instrument Date | Sep 11, 2020 |
| Instrument | 2020123468 |
| Transaction Type | Transfer |
| Record Updated | Aug 01, 2022 |
| Title Company | SUNBELT TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,325.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1004 GOLFSIDE DR, 1004, WINTER PARK, FL 32792-5128 |
| Name | Verified Name |
|---|---|
| Address | 4906 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8921 |
| Document Number | 0005794417 |
|---|---|
| Date | Sep 15, 2020 |
| Instrument | 5794/417 |
| Name | HOMETOWN EQUITY MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2050 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $4,754.00 (+7%) Homeowner's exemption | $332,580 (+5.99%) | $531,600 (+1.47%) Land $95,000 Building $436,600 |
| 2023 | $4,443.00 (+3.98%) Homeowner's exemption | $313,794 (+3%) | $523,900 (+14.11%) Land $95,000 Building $428,900 |
| 2022 | $4,273.00 Homeowner's exemption | $304,655 | $459,100 Land $68,000 Building $391,100 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970436001, 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 |
|
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 122 locations within half a mile · 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.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, 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 |
| 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.
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