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4939 Cypress Hammock Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4939 Cypress Hammock Dr, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details7 bd · 5 ba · 4,681 sqft · built 2013
Lot Size0.214 acres (9,365 sqft)
OwnerIndividual Name on Record
Last Sale$375,000 (Dec 2013)
Tax Bill$712 (2025)
Deeds & MortgagesNov 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN157734

Property Details

APN / Parcel Number

Primary APN157734
Alternative APN
  • 172531316400011590

Interior

Bedrooms7 Beds
Full Baths5 Baths
Stories2 Stories
Building Area4,681 sqft Heated Area
Gross Area5,660 sqft
1st Floor Area2,132 sqft
Upper Floors Area2,549 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2013
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,365 sqft (0.214 acres)
Lot Dimensions125 ft deep x 75 ft wide
Garage TypeFinished
Garage Area628 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area351 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number157734
Street Address4939 CYPRESS HAMMOCK DR
CitySAINT CLOUD
StateFL
Zip34771-8920
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePD
Legal DescriptionEAST LAKE PARK PH 3-5 PB 20 PG 64-68 LOT 159
Legal Range31E
Legal Township25S
Legal Section17
Legal SubdivisionEAST LK PK PH 3-5
Legal Phase3-5
Legal Tract3164
Legal Block1
Legal Lot Number159
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1029
Census Tract43600

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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address4939 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8920
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 3, 2013 · Amount on Record
Deed SaleDec 3, 2013 · Amount on Record
Prior SaleDec 19, 2012 · Amount on Record
Deed Document Number2013187858
Deed Book / Page4539 / 1326
Record UpdatedJun 8, 2026

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4939 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8920
Transaction TypeMortgage
Record UpdatedAug 1, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address4939 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8920

Mortgage

Document Number0058270446
DateNov 4, 2020
Book Page5827/446
Instrument2020150754
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueNov 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$712.00 (+14.65%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$401,788 (+5.99%)$579,800 (+1.65%) Land $95,000 Building $484,800
2023$621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$379,093 (+3%)$570,400 (+14.79%) Land $95,000 Building $475,400
2022$576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$368,052$496,900 Land $68,000 Building $428,900

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 278 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies278 in force
Nearby Flood Claims24 (1994–2022)
Claims Outside the SFHA2 of 24
Most Recent ClaimSep 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 RiskModerate
above 51% of the US · lower than 78% of Florida
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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