3251 Oak Point Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 3251 Oak Point Cir, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,916 sqft · built 1983
Lot Size	0.739 acres (32,234 sqft)
Owner	Individual Name on File
Last Sale	$253,900 (Dec 2017)
Tax Bill	$3,540 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`89995`

Property Details

APN / Parcel Number

Primary APN	`89995`
Alternative APN	`052531402500010900`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,916 sqft Heated Area
Gross Area	2,400 sqft
1st Floor Area	1,686 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1993
Exterior Material	Stone
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	32,234 sqft (0.739 acres)
Garage Type	Finished
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	558 sqft
Porch	Enclosed Porch
Porch Area	230 sqft
Deck Area	590 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	89995
Street Address	3251 OAK POINT CIR
City	SAINT CLOUD
State	FL
Zip	34771-9654
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPUD
Legal Description	MAJESTIC OAKS SUB PB 2 PG 210-211 LOT 90
Legal Range	31E
Legal Township	25S
Legal Section	05
Legal Subdivision	MAJESTIC OAKS & WATERFRONT
Legal Tract	4025
Legal Block	1
Legal Lot Number	90
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3000
Census Tract	42800

Owner

3251 Oak Point Cir is owned and occupied by an individual who bought it in December 2017.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3251 OAK POINT CIR, SAINT CLOUD, FL 34771-9654
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Dec 11, 2017	Warranty Deed, Transfer · VA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2017 · Amount on File
Deed Sale	Dec 11, 2017 · Amount on File
Prior Sale	Feb 16, 2005 · Amount on File
Deed Document Number	2017175164
Deed Book / Page	5251 / 0362
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3251 OAK POINT CIR, SAINT CLOUD, FL 34771-9654
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057900136
Date	Sep 9, 2020
Book Page	5790/136
Instrument	2020119797

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 11, 2017
Property Address	3251 OAK POINT CIR, SAINT CLOUD, FL 34771-9654
Document Number	0052510362
Book / Page	5251 / 0362
Map Reference	MB2 PG210&211
Instrument Date	Dec 8, 2017
Instrument	2017175164
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,777.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6929 BIG BEND DR, 6929, SAINT CLOUD, FL 34771-7324

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3251 OAK POINT CIR, SAINT CLOUD, FL 34771-9654

Mortgage

Document Number	2017175165
Date	Dec 11, 2017
Instrument	2017175165

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3251 Oak Point Cir was $3,540 with exemptions applied.

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	$3,540.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$249,946	$404,200 Land $85,000 Building $319,200
2023	$3,284.00 (+4.42%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$235,828 (+3%)	$370,400 (+12.93%) Land $70,000 Building $300,400
2022	$3,145.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$228,960	$328,000 Land $70,000 Building $258,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3251 Oak Point Cir in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	61.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 167 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	167 in force
Nearby Flood Claims	15 (2017–2025)
Claims Outside the SFHA	1 of 15
Most Recent Claim	Jul 2025 · rainfall accumulation
Claims by Event	Hurricane Ian, Sep 2022 · 6 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Irma, Sep 2017 · 2 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

Wildfire risk around 3251 Oak Point Cir is moderate, ranking above 69% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 69% of the US · above 50% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 331 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: AT&T, Spectrum, Verizon.

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