3315 Cypress Point Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3315 Cypress Point Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,052 sqft · built 1997
Lot Size	0.119 acres (5,183 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (Apr 2023)
Tax Bill	$3,902 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16-26-30-1266-0001-0450`

Property Details

APN / Parcel Number

Primary APN	`16-26-30-1266-0001-0450`
Alternative APNs	`263016126600010450` `86083`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,052 sqft Living Area
Gross Area	1,548 sqft
1st Floor Area	1,052 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,183 sqft (0.119 acres)
Lot Dimensions	95 ft deep x 53 ft wide
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Metal Porch
Porch Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3315 CYPRESS POINT CIR
City	SAINT CLOUD
State	FL
Zip	34772-8883
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	CYPRESS POINT UNIT TWO PB 9 PG 37-38 LOT 45
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CYPRESS POINT UNIT 2
Legal Tract	1266
Legal Block	450
Legal Lot Number	45
Legal Unit	W
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2003
Census Tract	43208

Owner

Source: Osceola County records, as of January 12, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	3315 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8883
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2021	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jan 26, 2021	Deed of Trust, Mortgage · FHA Mortgage PHH MORTGAGE SERVICES CORP
Apr 4, 2023	Warranty Deed, Transfer · FHA Mortgage READY MORTGAGE LENDERS LLC
Oct 17, 2018	Warranty Deed, Transfer · FHA Mortgage ROYAL PACIFIC FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2023 · Amount on Record
Deed Sale	Apr 4, 2023 · Amount on Record
Prior Sale	Oct 17, 2018 · Amount on Record
Deed Document Number	202337778
Deed Book / Page	6381 / 1120
Prior Transfer Date	Sep 22, 2010
Prior Transfer Doc	0040622142
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3315 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8883
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3315 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8883

Mortgage

Document Number	0060970602
Date	Dec 1, 2021
Book Page	6097/602
Instrument	2021184822

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3315 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8883
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3315 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8883

Mortgage

Document Number	0058771128
Date	Jan 26, 2021
Book Page	5877/1128
Instrument	2021011233

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	WEST PALM BEACH, FL 33416

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	334 Months
Due	Nov 1, 2048

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 4, 2023
Property Address	3315 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8883
Document Number	0063811120
Book / Page	6381 / 1120
Map Reference	MB 9 PG 37&38
Instrument Date	Mar 31, 2023
Instrument	2023037778
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	THE TITLE AND ESCROW COMPANY INC, THE TITLE & ESCROW FIRM

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	148 TULPAN DR, KISSIMMEE, FL 34743-9525

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3315 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8883

Mortgage

Document Number	0063811122
Date	Apr 4, 2023
Instrument	6381/1122

Lender

Name	READY MORTGAGE LENDERS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2053

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 17, 2018
Property Address	3315 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8883
Document Number	0054190381
Book / Page	5419 / 0381
Map Reference	MB9 PG37&38
Instrument Date	Oct 11, 2018
Instrument	2018155784
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	EQUITABLE TITLE OF WEST ORLA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,372.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3315 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8883

Mortgage

Document Number	2018155785
Date	Oct 17, 2018
Instrument	2018155785

Lender

Name	ROYAL PACIFIC FUNDING CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,902.00 (+0.26%) Homeowner's exemption	$260,900 (+44.15%) Land $60,000 Building $200,900	$260,900 (+5.8%) Land $60,000 Building $200,900
2024	$3,892.00 (+55.68%)
2023	$2,500.00 (+3.86%) Homeowner's exemption	$180,989 (+3%)	$246,600 (+20.12%) Land $55,000 Building $191,600
2022	$2,407.00 Homeowner's exemption	$175,718	$205,300 Land $50,000 Building $155,300

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 41 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	41 in force
Nearby Flood Claims	2 (2015–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2020 · other causes

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 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, Xfinity.

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