4937 Cypress Hammock Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4937 Cypress Hammock Dr, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 4,239 sqft · built 2013
Lot Size	0.214 acres (9,365 sqft)
Owner	2 Individual Names on File
Last Sale	$350,400 (Jul 2017)
Tax Bill	$5,836 (2025)
Deeds & Mortgages	Jul 2017 Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`157733`

Property Details

APN / Parcel Number

Primary APN	`157733`
Alternative APN	`172531316400011580`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,239 sqft Heated Area
Gross Area	5,710 sqft
1st Floor Area	1,901 sqft
Upper Floors Area	2,338 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Exterior Material	Concrete Block
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,365 sqft (0.214 acres)
Lot Dimensions	125 ft deep x 75 ft wide
Garage Type	Finished
Garage Area	589 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	468 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	157733
Street Address	4937 CYPRESS HAMMOCK DR
City	SAINT CLOUD
State	FL
Zip	34771-8920
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EAST LAKE PARK PH 3-5 PB 20 PG 64-68 LOT 158
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	158
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1029
Census Tract	43600

Owner

Source: Osceola County records · APN 157733

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	2 Individual Names on File
Co-owner	Verified Secondary Owner
Mailing Address	4937 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8920
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 05, 2020	Deed of Trust, Mortgage · SBA Mortgage GULF COAST BANK & TRUST CO
Oct 06, 2020	Deed of Trust, Mortgage · USDA Mortgage EMMANUEL REALTY HOLDINGS LLC
Feb 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 11, 2017 · Amount on Record
Deed Sale	Jul 11, 2017 · Amount on Record
Prior Sale	Sep 23, 2016
Deed Document Number	0051841568
Deed Book / Page	4467 / 1624
Prior Transfer Date	Nov 15, 2016
Prior Transfer Doc	2016171594
Record Updated	Jun 08, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4937 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8920
Transaction Type	Mortgage
Record Updated	Aug 01, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051841573
Date	Jul 26, 2017
Book Page	5184/1573
Instrument	2017108126

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 01, 2037

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4937 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8920
Transaction Type	Mortgage
Record Updated	Aug 01, 2022
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058052063
Date	Oct 05, 2020
Book Page	5805/2063
Instrument	2020132837

Lender

Name	GULF COAST BANK & TRUST CO
Type	Bank
Address	DALLAS, TX 75225

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Sep 23, 2045

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4937 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8920
Transaction Type	Mortgage
Record Updated	Aug 01, 2022
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058070426
Date	Oct 06, 2020
Book Page	5807/426
Instrument	2020133845

Lender

Name	EMMANUEL REALTY HOLDINGS LLC
Type	Non-Lending Institution

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Sep 23, 2045

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4937 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8920
Transaction Type	Mortgage
Record Updated	Aug 01, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4937 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8920

Mortgage

Document Number	0058902379
Date	Feb 12, 2021
Book Page	5890/2379
Instrument	2021021233

Lender

Name	TRUSTCO BANK
Type	Bank
Address	LONGWOOD, FL 32750

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 05, 2036

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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	$5,836.00 (+11.99%) Homeowner's exemption	$410,705 (+11.35%)	$607,400 (+4.96%) Land $95,000 Building $512,400
2023	$5,211.00 (+3.8%) Homeowner's exemption	$368,827 (+3%)	$578,700 (+14.75%) Land $95,000 Building $483,700
2022	$5,020.00 Homeowner's exemption	$358,085	$504,300 Land $68,000 Building $436,300

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 278 individual NFIP policies nearby
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, river or lake flooding, Hurricane Ian
Claims By Storm	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 claims

Wildfire

Wildfire Risk	Moderate above 52% of the US · above 22% of Florida
Wildfire Likelihood	About 1 in 1,000 per year
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, availability as of December 31, 2025 · Published October 2026 · based on 259 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Lumen Technologies	DSL	140 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: AT&T, Lumen Technologies, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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