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4940 Cypress Hammock Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4940 Cypress Hammock Dr, Saint Cloud, FL 34771 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms6 Beds
Bathrooms4 Baths
Year BuiltBuilt 2013
Square Footage4,681 sqft Living Area
Lot Size13,634 sqft (0.313 acres)
OccupancyOwner Occupied
Last Sale$705,000 (2022)
Tax Bill$7,454.00 (2024)

Property Details

APN / Parcel Number

Primary APN17-25-31-3164-0001-1450
Alternative APNs
  • 253117316400011450
  • 157720

Interior

Bedrooms6 Beds
Full Baths4 Baths
Building Area4,681 sqft Living Area
Gross Area5,649 sqft Gross Area
1st Floor2,132 sqft 1st Floor
Upper Floors2,549 sqft Upper Floors
Stories2 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2013
Effective Year BuiltEffective 2013
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Construction TypeFrame Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area13,634 sqft (0.313 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area628 sqft Garage

Exterior Amenities

Pool TypeIn-Ground Pool Pool Type
Pool Area360 sqft Pool
Shed1 Shed
Shed Area144 sqft Shed
Deck Area1,160 sqft Deck
Porch Area340 sqft Porch

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemCentral Heating

Location & Zoning

Street Address4940 CYPRESS HAMMOCK DR
CitySAINT CLOUD
StateFL
Zip34771-8923
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionEAST LAKE PARK PH 3-5 PB 20 PG 64-68 LOT 145
Legal Range31E
Legal Township25S
Legal Section17
Legal SubdivisionEAST LAKE PARK PHS 3-5
Legal Phase3-5
Legal Tract3164
Legal Block1450
Legal Lot Number145
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1028
Census Tract43600

Owner

Source: Osceola County records · APN 17-25-31-3164-0001-1450

Assessment roll updated November 26, 2025 · Last verified August 2026

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

Owner of RecordIndividual Name on File
Mailing Address4940 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8923
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Mar 18, 2021Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
FREEDOM MORTGAGE CORP
Mar 07, 2024Deed of Trust, Mortgage · Veterans Administration Mortgage
THE MORTGAGE FIRM INC
Dec 17, 2025Deed of Trust, Mortgage · Veterans Administration Mortgage
UNITED WHOLESALE MORTGAGE
Mar 18, 2025Deed of Trust, Mortgage · Veterans Administration Mortgage
FREEDOM MORTGAGE CORP
Jan 07, 2022Warranty Deed, Transfer · Veterans Administration Mortgage
ZILLOW HOME LOANS LLC
Aug 16, 2021Warranty Deed, Transfer
OS NATIONAL LLC
May 06, 2020Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJan 07, 2022 · Amount on Record
Deed SaleJan 07, 2022 · Amount on Record
Prior SaleAug 16, 2021 · Amount on Record
Deed Doc Number20224053
Deed Book / Page6124 / 2126
Record RefreshedSep 20, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4940 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8923
Transaction TypeMortgage
Record UpdatedJul 01, 2026
Title CompanyINSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address4940 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8923

Mortgage

Document Number0059151270
DateMar 18, 2021
Book Page5915/1270
Instrument2021040580
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term270 Months
DueSep 01, 2043

March 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4940 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8923
Transaction TypeMortgage
Record UpdatedJul 01, 2026
Title CompanyIDEAL TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address4940 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8923

Mortgage

Document Number0065612110
DateMar 07, 2024
Book Page6561/2110
Instrument2024030156
Lender
NameTHE MORTGAGE FIRM INC
TypeMortgage Company
Address921 DOUGLAS AVE STE 200, ALTAMONTE SPRINGS, FL 32714
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2054

December 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4940 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8923
Transaction TypeMortgage
Record UpdatedJul 01, 2026
Title CompanyBOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

NameVerified Name
Address4940 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8923

Mortgage

Document Number0068951589
DateDec 17, 2025
Book Page6895/1589
Instrument2025154417
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2056

March 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4940 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8923
Transaction TypeMortgage
Record UpdatedJul 01, 2026
Title CompanyBOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

NameVerified Name
Address4940 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8923

Mortgage

Document Number0067562824
DateMar 18, 2025
Book Page6756/2824
Instrument2025034549
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2055

January 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 07, 2022
Property Address4940 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8923
Document Number0061242126
Book / Page6124 / 2126
Map ReferenceMB 20 PG 64-68
Instrument DateJan 06, 2022
Instrument2022004053
Transaction TypeTransfer
Record UpdatedJan 21, 2022
Title CompanyOS NATIONAL LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$4,935.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address410 N SCOTTSDALE RD # RD1600, 410, TEMPE, AZ 85281-7094

Transferred To (Grantee/Buyer)

NameVerified Name
Address4940 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8923

Mortgage

Document Number0061242128
DateJan 07, 2022
Instrument6124/2128
Lender
NameZILLOW HOME LOANS LLC
TypeMortgage Company
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2052

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 16, 2021
Property Address4940 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8923
Document Number0060230941
Book / Page6023 / 941
Map ReferenceMB 20 PG 64-68
Instrument DateAug 09, 2021
Instrument2021126580
Transaction TypeTransfer
Record UpdatedJul 01, 2026
Title CompanyOS NATIONAL LLC

Transaction

AmountAmount Recorded
Tax$4,442.20
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address5579 BAKEWELL PL, SAINT CLOUD, FL 34771-8934

Transferred To (Grantee/Buyer)

NameVerified Name
Address410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
InvestorPossibly a Property Investor

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4940 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8923
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0057182899
DateMay 06, 2020
Book Page5718/2899
Instrument2020061183
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term279 Months
DueAug 01, 2043

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$7,770.00 (+4.24%) Homeowner's exemption Veteran's exemption$555,280 (+5.99%)$606,200 (+1.46%) Land $95,000 Building $511,200
2024$7,454.00 (+2.01%)
2023$7,307.00 (-7.74%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$523,914 (-0.3%)$597,500 (+13.7%) Land $95,000 Building $502,500
2022$7,920.00$525,500 Land $68,000 Building $457,500$525,500 Land $68,000 Building $457,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskModerate
above 52% of the US · above 22% of Florida
Wildfire LikelihoodAbout 1 in 1,000 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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