4918 Cypress Hammock Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4918 Cypress Hammock Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,087 sqft · built 2013
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$385,000 (Jun 2019)
Tax Bill	$5,481 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`157712`

Property Details

APN / Parcel Number

Primary APN	`157712`
Alternative APN	`172531316400011370`

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
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Finished
Garage Area	587 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	468 sqft
Porch	Open Porch
Porch Area	452 sqft
Deck Area	887 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	157712
Street Address	4918 CYPRESS HAMMOCK DR
City	SAINT CLOUD
State	FL
Zip	34771-8923
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	EAST LAKE PARK PH 3-5 PB 20 PG 64-68 LOT 137
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	137
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1028
Census Tract	43600

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	4918 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8923
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2021	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Dec 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage FBC MORTGAGE LLC
Jun 12, 2019	Warranty Deed, Transfer · Conventional Mortgage FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2019 · Amount on Record
Deed Sale	Jun 12, 2019 · Amount on Record
Prior Sale	Nov 5, 2013 · Amount on Record
Deed Document Number	2019076266
Deed Book / Page	5540 / 1266
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4918 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8923
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4918 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8923

Mortgage

Document Number	0060921236
Date	Nov 23, 2021
Book Page	6092/1236
Instrument	2021181279

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

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4918 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8923
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	LEADING EDGE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4918 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8923

Mortgage

Document Number	0058521011
Date	Dec 16, 2020
Book Page	5852/1011
Instrument	2020170825

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 12, 2019
Property Address	4918 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8923
Document Number	0055401266
Book / Page	5540 / 1266
Map Reference	MB 20 PG 64
Instrument Date	Jun 7, 2019
Instrument	2019076266
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,695.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8615 COMMODITY CIR, 8615, ORLANDO, FL 32819-9071

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4918 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8923

Mortgage

Document Number	0055401269
Date	Jun 12, 2019
Instrument	5540/1269

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,481.00 (+6.76%) Homeowner's exemption	$385,047 (+5.99%)	$521,600 (+2.31%) Land $95,000 Building $426,600
2023	$5,134.00 (+13.48%) Homeowner's exemption	$363,298 (+12.61%)	$509,800 (+23.08%) Land $95,000 Building $414,800
2022	$4,524.00 Homeowner's exemption	$322,620	$414,200 Land $68,000 Building $346,200

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
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	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 claims

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	Moderate above 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 259 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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