Osceola County property record for 4975 Cypress Hammock Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,757 sqft · built 2013 |
| Lot Size | 0.214 acres (9,365 sqft) |
| Owner | Individual Name on File |
| Last Sale | $645,000 (Apr 2025) |
| Tax Bill | $5,302 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit May 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 157752 |
| Primary APN | 157752 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 3,757 sqft Heated Area |
| Gross Area | 4,812 sqft |
| 1st Floor Area | 3,087 sqft |
| Upper Floors Area | 670 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 9,365 sqft (0.214 acres) |
| Lot Dimensions | 125 ft deep x 75 ft wide |
| Garage Type | Finished |
| Garage Area | 587 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Screened Porch |
| Porch Area | 468 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 157752 |
|---|---|
| Street Address | 4975 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 177 |
| 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 | 177 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 43600 |
Source: Osceola County records · APN 157752
Assessment roll updated July 1, 2025 · Last verified December 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 File |
|---|---|
| Mailing Address | 4975 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8920 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 15, 2022 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| May 09, 2022 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Oct 08, 2019 | Warranty Deed, Transfer · Conventional Mortgage SUNTRUST BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 09, 2025 · Amount on Record |
| Deed Sale | Apr 09, 2025 · Amount on Record |
| Prior Sale | Oct 08, 2019 · Amount on Record |
| Deed Document Number | 2025044936 |
| Deed Book / Page | 6768 / 2492 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4975 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8920 |
| Transaction Type | Mortgage |
| Record Updated | Jun 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4975 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8920 |
| Document Number | 0062331625 |
|---|---|
| Date | Jun 15, 2022 |
| Book Page | 6233/1625 |
| Instrument | 2022093684 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 21, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4975 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8920 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0062100814 |
|---|---|
| Date | May 09, 2022 |
| Book Page | 6210/814 |
| Instrument | 2022073345 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 166 Months |
| Due | Mar 01, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 08, 2019 |
| Property Address | 4975 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8920 |
| Document Number | 0056022299 |
| Book / Page | 5602 / 2299 |
| Map Reference | MB 20 PG 64 |
| Instrument Date | Sep 30, 2019 |
| Instrument | 2019130216 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | NU WORLD TTL OF CTRL FL LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,943.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4975 CYPRESS HAMMOCK DR, 4975, SAINT CLOUD, FL 34771-8920 |
| Name | Verified Name |
|---|---|
| Address | 4975 CYPRESS HAMMOCK DR, SAINT CLOUD, FL 34771-8920 |
| Document Number | 0056022301 |
|---|---|
| Date | Oct 08, 2019 |
| Instrument | 5602/2301 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2049 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,302.00 (+6.81%) Homeowner's exemption | $372,145 (+5.99%) | $512,700 (+1.59%) Land $95,000 Building $417,700 |
| 2023 | $4,964.00 (+3.87%) Homeowner's exemption | $351,124 (+3%) | $504,700 (+15.31%) Land $95,000 Building $409,700 |
| 2022 | $4,779.00 Homeowner's exemption | $340,898 | $437,700 Land $68,000 Building $369,700 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Moderate above 53% of the US · lower than 75% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber · DSL in parts of the area | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: AT&T, Xfinity.
Based on FCC filings for 293 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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