4973 Cypress Hammock Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4973 Cypress Hammock Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	7 bd · 5 ba · 4,681 sqft · built 2013
Lot Size	0.275 acres (11,979 sqft)
Owner	Individual Name on Record
Last Sale	$367,600 (Aug 2013)
Tax Bill	$6,313 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`157751`

Property Details

APN / Parcel Number

Primary APN	`157751`
Alternative APN	`172531316400011760`

Interior

Bedrooms	7 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	4,681 sqft Heated Area
Gross Area	6,230 sqft
1st Floor Area	2,132 sqft
Upper Floors Area	2,549 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	11,979 sqft (0.275 acres)
Garage Type	Finished
Garage Area	628 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	476 sqft
Porch	Finished/Screened Porch
Porch Area	921 sqft
Deck Area	1,064 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	157751
Street Address	4973 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 176
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	176
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 11, 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	4973 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8920
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Mar 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANPAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2013 · Amount on Record
Deed Sale	Aug 2, 2013 · Amount on Record
Prior Sale	Dec 19, 2012 · Amount on Record
Deed Document Number	2013121914
Deed Book / Page	4482 / 2051
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4973 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8920
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056670625
Date	Jan 31, 2020
Book Page	5667/0625
Instrument	2020015794

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4973 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8920
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4973 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8920

Mortgage

Document Number	0059102656
Date	Mar 12, 2021
Book Page	5910/2656
Instrument	2021037117

Lender

Name	LOANPAL LLC
Type	Non-Lending Institution
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

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	$6,313.00 (+6.55%) Homeowner's exemption	$445,115 (+5.99%)	$637,700 (+2%) Land $95,000 Building $542,700
2023	$5,925.00 (+3.69%) Homeowner's exemption	$419,972 (+3%)	$625,200 (+13.57%) Land $95,000 Building $530,200
2022	$5,714.00 Homeowner's exemption	$407,740	$550,500 Land $68,000 Building $482,500

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.

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