4951 Cypress Hammock Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4951 Cypress Hammock Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 4,239 sqft · built 2013
Lot Size	0.235 acres (10,237 sqft)
Owner	Individual Name on Record
Last Sale	$640,000 (Dec 2025)
Tax Bill	$5,503 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`157740`

Property Details

APN / Parcel Number

Primary APN	`157740`
Alternative APN	`172531316400011650`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,239 sqft Heated Area
Gross Area	5,246 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	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,237 sqft (0.235 acres)
Lot Dimensions	136 ft deep x 75 ft wide
Garage Type	Finished
Garage Area	589 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	418 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	157740
Street Address	4951 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 165
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	165
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1029
Census Tract	43600

Owner

Source: Osceola County records, as of December 26, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4951 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8920
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 6, 2017	Warranty Deed, Transfer · Conventional with PMI USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2025 · Amount on Record
Deed Sale	Dec 17, 2025 · Amount on Record
Prior Sale	Jul 6, 2017 · Amount on Record
Deed Document Number	2025153796
Deed Book / Page	6894 / 2218
Record Updated	Jun 8, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 17, 2025
Property Address	4951 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8920
Document Number	0068942218
Book / Page	6894 / 2218
Map Reference	MB 20 PG 64-68
Instrument Date	Dec 10, 2025
Instrument	2025153796
Transaction Type	Transfer
Record Updated	Dec 29, 2025
Title Company	INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INS COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,480.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2256 ARCHER BLVD, ORLANDO, FL 32833-3907

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4951 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8920

Mortgage

Document Number	0068942220
Date	Dec 17, 2025
Instrument	6894/2220

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 6, 2017
Property Address	4951 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8920
Document Number	0051752135
Book / Page	005175 / 002135
Instrument Date	Jul 6, 2017
Instrument	98760
Transaction Type	Transfer
Record Updated	Sep 20, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,534.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4951 CYPRESS HAMMOCK DR ST CLOUD FL 347718920, ST CLOUD, FL 34771-8920

Mortgage

Document Number	51752137
Date	Jul 6, 2017
Book Page	005175/002137
Instrument	98761

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 2047

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$5,503.00 (+6.75%) Homeowner's exemption	$386,629 (+5.99%)	$584,600 (+1.69%) Land $95,000 Building $489,600
2023	$5,155.00 (+3.83%) Homeowner's exemption	$364,790 (+3%)	$574,900 (+14.87%) Land $95,000 Building $479,900
2022	$4,965.00 Homeowner's exemption	$354,166	$500,500 Land $68,000 Building $432,500

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 54% of the US · lower than 74% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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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