Osceola County property record for 4957 Cypress Hammock Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,087 sqft · built 2014 |
| Lot Size | 0.237 acres (10,367 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $387,900 (Aug 2018) |
| Tax Bill | $4,084 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Aug 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 157743 |
| Primary APN | 157743 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,087 sqft Heated Area |
| Gross Area | 4,126 sqft |
| 1st Floor Area | 3,087 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,367 sqft (0.237 acres) |
| Lot Dimensions | 138 ft deep x 75 ft wide |
| Garage Type | Finished |
| Garage Area | 587 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 254 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 452 sqft |
| Deck Area | 526 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 157743 |
|---|---|
| Street Address | 4957 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 168 |
| 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 | 168 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 43600 |
Source: Osceola County records, as of December 11, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 4957 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8920 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 21, 2020 | Deed of Trust, Mortgage · VA Mortgage JFQ LENDING INC |
| Aug 2, 2018 | Warranty Deed, Transfer · VA Mortgage FRANKLIN AMERICAN MORTGAGE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 2, 2018 · Amount on Record |
| Deed Sale | Aug 2, 2018 · Amount on Record |
| Prior Sale | Jun 15, 2016 · Amount on Record |
| Deed Document Number | 2018118142 |
| Deed Book / Page | 5378 / 0826 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4957 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8920 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4957 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8920 |
| Document Number | 0058161732 |
|---|---|
| Date | Oct 21, 2020 |
| Book Page | 5816/1732 |
| Instrument | 2020142070 |
| Name | JFQ LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85254 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 325 Months |
| Due | Nov 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 2, 2018 |
| Property Address | 4957 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8920 |
| Document Number | 0053780826 |
| Book / Page | 5378 / 0826 |
| Map Reference | MB20 PG64 |
| Instrument Date | Jul 30, 2018 |
| Instrument | 2018118142 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,715.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4957 CYPRESS HAMMOCK DR, 4957, SAINT CLOUD, FL 34771-8920 |
| Name | Verified Name |
|---|---|
| Address | 10731 SAVANNAH WOOD DR, ORLANDO, FL 32832-5570 |
| Document Number | 2018118143 |
|---|---|
| Date | Aug 2, 2018 |
| Instrument | 2018118143 |
| Name | FRANKLIN AMERICAN MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2048 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,084.00 (+7.3%) Homeowner's exemption | $284,259 (+5.99%) | $505,700 (+1.63%) Land $95,000 Building $410,700 |
| 2023 | $3,806.00 (+4.16%) Homeowner's exemption | $268,202 (+3%) | $497,600 (+14.65%) Land $95,000 Building $402,600 |
| 2022 | $3,654.00 Homeowner's exemption | $260,391 | $434,000 Land $68,000 Building $366,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 53% of the US · lower than 75% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 293 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber · DSL in parts of the area | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, Xfinity.
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