4932 Cypress Hammock Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4932 Cypress Hammock Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	7 bd · 6 ba · 4,681 sqft · built 2013
Lot Size	0.23 acres (10,018 sqft)
Owner	2 Individual Names on Record
Last Sale	$381,600 (Sep 2013)
Tax Bill	$5,672 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jul 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-25-31-3164-0001-1420`

Property Details

APN / Parcel Number

Primary APN	`17-25-31-3164-0001-1420`
Alternative APNs	`253117316400011420` `157717`

Interior

Bedrooms	7 Beds
Full Baths	6 Baths
Stories	2 Stories
Building Area	4,681 sqft Living Area
Gross Area	5,660 sqft
1st Floor Area	2,132 sqft
Upper Floors Area	2,549 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,018 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	628 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	351 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	4932 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 142
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	1420
Legal Lot Number	142
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 November 26, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4932 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8923
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jan 14, 2021	Intrafamily Transfer, Transfer
Jan 16, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2013 · Amount on Record
Deed Sale	Sep 16, 2013 · Amount on Record
Prior Sale	Dec 19, 2012 · Amount on Record
Deed Document Number	2013144620
Deed Book / Page	4502 / 523
Last Transfer Date	Oct 23, 2023
Transfer Doc	0066171777
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4932 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8923
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4932 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8923

Mortgage

Document Number	0059052100
Date	Mar 5, 2021
Book Page	5905/2100
Instrument	2021033099

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	297 Months
Due	Dec 1, 2045

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4932 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8923
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4932 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8923

Mortgage

Document Number	0062470416
Date	Jul 7, 2022
Book Page	6247/416
Instrument	2022105231

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jan 14, 2021
Property Address	4932 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8923
Document Number	0058701537
Book / Page	5870 / 1537
Map Reference	MB 20 PG 64
Instrument Date	Jan 1, 2021
Instrument	2021006023
Transaction Type	Transfer
Record Updated	Aug 1, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4932 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8923

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 16, 2019
Property Address	4932 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8923
Document Number	0054632440
Book / Page	005463 / 002440
Instrument Date	Jan 7, 2019
Instrument	6394
Transaction Type	Transfer
Record Updated	Jan 29, 2019

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	4932 CYPRESS HAMMOCK DR ST CLOUD FL 347718923, ST CLOUD, FL 34771-8923

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$5,672.00 (+4.61%)	$403,840 (+5.99%)	$582,700 (+1.64%) Land $95,000 Building $487,700
2024	$5,422.00 (+2.07%)
2023	$5,312.00 (+2.59%) Homeowner's exemption Widower's exemption	$381,029 (+3%)	$573,300 (+14.8%) Land $95,000 Building $478,300
2022	$5,178.00 Homeowner's exemption Widower's exemption	$369,932	$499,400 Land $68,000 Building $431,400

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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