Osceola County property record for 630 Cypress Ct, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,964 sqft · built 1977 |
| Lot Size | 0.207 acres (9,017 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $380,000 (Aug 2024) |
| Tax Bill | $4,244 (2025) |
| Deeds & Mortgages | Dec 2023 Second Mortgage Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 82720 |
| Primary APN | 82720 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,964 sqft Heated Area |
| Gross Area | 2,815 sqft |
| 1st Floor Area | 965 sqft |
| Upper Floors Area | 999 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Aluminum Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,017 sqft (0.207 acres) |
| Lot Dimensions | 100 ft deep x 90 ft wide |
| Garage Type | Finished |
| Garage Area | 563 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 450 sqft |
|---|---|
| Porch | Finished/Screened Porch |
| Porch Area | 288 sqft |
| Deck Area | 306 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 126 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 82720 |
|---|---|
| Street Address | 630 CYPRESS CT |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-1647 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1 |
| Legal Description | PINE LAKE ESTATES UNIT B PB 2 PG 147 LOT 6 09-26-30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | PINE LAKE ESTATE |
| Legal Tract | 910 |
| Legal Block | 1 |
| Legal Lot Number | 6,9 9 |
| Legal Unit | B |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43208 |
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 |
|---|---|
| Mailing Address | 630 CYPRESS CT, SAINT CLOUD, FL 34769-1647 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 14, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NATIONSTAR MORTGAGE LLC |
| Sep 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 5, 2024 · Amount on Record |
| Deed Sale | Aug 5, 2024 · Amount on Record |
| Prior Sale | Nov 2, 2007 · Amount on Record |
| Deed Document Number | 2024100847 |
| Deed Book / Page | 6644 / 1348 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 630 CYPRESS CT, SAINT CLOUD, FL 34769-1647 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Name | Verified Name |
|---|---|
| Address | 630 CYPRESS CT, SAINT CLOUD, FL 34769-1647 |
| Document Number | 0065190281 |
|---|---|
| Date | Dec 14, 2023 |
| Book Page | 6519/281 |
| Instrument | 2023162626 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jan 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 630 CYPRESS CT, SAINT CLOUD, FL 34769-1647 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2021 |
| Name | Verified Name |
|---|---|
| Address | 630 CYPRESS CT, SAINT CLOUD, FL 34769-1647 |
| Document Number | 0060372135 |
|---|---|
| Date | Sep 8, 2021 |
| Book Page | 6037/2135 |
| Instrument | 2021138344 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 1, 2041 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,244.00 (+284.77%) Homeowner's exemption | $280,000 (+170.82%) Land $65,000 Building $215,000 | $280,000 (-2.03%) Land $65,000 Building $215,000 |
| 2023 | $1,103.00 (+5.15%) Homeowner's exemption | $103,391 (+3%) | $285,800 (+15.61%) Land $60,000 Building $225,800 |
| 2022 | $1,049.00 Homeowner's exemption | $100,380 | $247,200 Land $55,000 Building $192,200 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 29 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 35 units insured incl. 6 condo units |
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 | Low lower than 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 350 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
| CenturyLink DSL · Fiber in parts of the area | 140 / 20 |
May also be available: Hotwire Communications, T-Mobile, Verizon.
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