Osceola County property record for 4921 Cypress Hammock Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 7 bd · 4 ba · 4,681 sqft · built 2014 |
| Lot Size | 0.223 acres (9,713 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $391,400 (Jul 2014) |
| Tax Bill | $712 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-25-31-3164-0001-1530 |
| Primary APN | 17-25-31-3164-0001-1530 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 4,681 sqft Living Area |
| Gross Area | 5,668 sqft |
| 1st Floor Area | 2,132 sqft |
| Upper Floors Area | 2,549 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,713 sqft (0.223 acres) |
| Lot Dimensions | 125 ft deep x 77.8 ft wide |
| Garage Type | Attached |
| Garage Area | 628 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 359 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 4921 CYPRESS HAMMOCK DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8920 |
| 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 153 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 17 |
| Legal Subdivision | EAST LAKE PARK PHS 3-5 |
| Legal Phase | 3-5 |
| Legal Tract | 3164 |
| Legal Block | 1530 |
| Legal Lot Number | 153 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 43600 |
4921 Cypress Hammock Dr is owner-occupied and held in a trust since October 2016.
Source: Osceola County records, as of November 26, 2025
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 4921 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8920 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 2, 2014 · Amount on File |
| Deed Sale | Jul 2, 2014 · Amount on File |
| Prior Sale | Dec 19, 2012 · Amount on File |
| Deed Document Number | 201493590 |
| Deed Book / Page | 4631 / 135 |
| Last Transfer Date | Oct 5, 2016 |
| Transfer Doc | 0050421335 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4921 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8920 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4921 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8920 |
| Document Number | 0058260668 |
|---|---|
| Date | Nov 4, 2020 |
| Book Page | 5826/668 |
| Instrument | 2020150053 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2050 |
The 2025 property tax bill for 4921 Cypress Hammock Dr was $712 with exemptions applied, up 12.8% from the year before.
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $712.00 (+12.84%) Homeowner's exemption Veteran's exemption | $401,561 | $581,800 Land $95,000 Building $486,800 |
| 2024 | $631.00 (+1.61%) | ||
| 2023 | $621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $378,878 (+3%) | $571,800 (+14.75%) Land $95,000 Building $476,800 |
| 2022 | $576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $367,843 | $498,300 Land $68,000 Building $430,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4921 Cypress Hammock Dr in Zone X, an area of minimal flood risk, though there have been 24 flood claims nearby since 1994.
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 File 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 |
|
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 risk around 4921 Cypress Hammock Dr is moderate, ranking above 51% of the US, with a 0.1% annual chance of 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.
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 |
| 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.
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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