4960 Cypress Hammock Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4960 Cypress Hammock Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 4,239 sqft · built 2014
Lot Size	0.223 acres (9,714 sqft)
Owner	Individual on Record
Last Sale	$474,900 (Sep 2019)
Tax Bill	$6,725 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`157693`

Property Details

APN / Parcel Number

Primary APN	`157693`
Alternative APN	`172531316400011180`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,239 sqft Heated Area
Gross Area	5,480 sqft
1st Floor Area	1,901 sqft
Upper Floors Area	2,338 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,714 sqft (0.223 acres)
Lot Dimensions	125 ft deep x 77.8 ft wide
Garage Type	Finished
Garage Area	589 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	680 sqft
Porch	Porch
Porch Area	652 sqft
Deck Area	1,072 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	157693
Street Address	4960 CYPRESS HAMMOCK DR
City	SAINT CLOUD
State	FL
Zip	34771-8922
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 118
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	118
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1030
Census Tract	43600

Owner

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

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

Owner of Record	Individual on Record
Co-owner	Co-owner on Record
Mailing Address	4960 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8922
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage PANORAMA MORTGAGE GROUP LLC
Sep 13, 2019	Warranty Deed, Transfer · Conventional Mortgage HOME1ST LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2019 · Amount on Record
Deed Sale	Sep 13, 2019 · Amount on Record
Prior Sale	Jun 30, 2014 · Amount on Record
Deed Document Number	2019118113
Deed Book / Page	5588 / 2389
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4960 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8922
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4960 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8922

Mortgage

Document Number	0058552065
Date	Dec 21, 2020
Book Page	5855/2065
Instrument	2020173278

Lender

Name	PANORAMA MORTGAGE GROUP LLC
Type	Non-Lending Institution
Address	LAKEWOOD, NJ 08701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 13, 2019
Property Address	4960 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8922
Document Number	0055882389
Book / Page	5588 / 2389
Map Reference	MB 20 PG 64
Instrument Date	Sep 6, 2019
Instrument	2019118113
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	OLIVER TITLE LAW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,324.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3250 S INDIANA AVE, 3250, SAINT CLOUD, FL 34769-5601

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4960 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8922

Mortgage

Document Number	0055882391
Date	Sep 13, 2019
Instrument	5588/2391

Lender

Name	HOME1ST LENDING LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

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	$6,725.00 (+6.44%) Homeowner's exemption	$474,874 (+5.99%)	$647,200 (+1.68%) Land $95,000 Building $552,200
2023	$6,318.00 (+3.66%) Homeowner's exemption	$448,050 (+3%)	$636,500 (+12.95%) Land $95,000 Building $541,500
2022	$6,095.00 Homeowner's exemption	$435,000	$563,500 Land $68,000 Building $495,500

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 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.

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 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.

Nearby Properties on Cypress Hammock Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures