3320 Cypress Point Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3320 Cypress Point Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,431 sqft · built 1997
Lot Size	0.322 acres (14,026 sqft)
Owner	Individual Name on Record
Last Sale	$86,600 (Dec 2022)
Tax Bill	$1,550 (2025)
Deeds & Mortgages	Apr 2024 Transfer Dec 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16-26-30-1266-0001-0220`

Property Details

APN / Parcel Number

Primary APN	`16-26-30-1266-0001-0220`
Alternative APNs	`263016126600010220` `86060`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,431 sqft Living Area
Gross Area	1,939 sqft
1st Floor Area	1,431 sqft
Flooring	Carpet
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	14,026 sqft (0.322 acres)
Lot Dimensions	150 ft deep x 73 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3320 CYPRESS POINT CIR
City	SAINT CLOUD
State	FL
Zip	34772-8882
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 22
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CYPRESS POINT UNIT 2
Legal Tract	1266
Legal Block	220
Legal Lot Number	22
Legal Unit	W
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2001
Census Tract	43208

Owner

Source: Osceola County records, as of November 26, 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	3320 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8882
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2024	Quit Claim Deed, Transfer Quitclaim
Dec 6, 2022	Warranty Deed, Transfer PHOENIX LAND TITLE, PHOENIX LAND T&E INC
Jul 24, 2018	Grant Deed, Transfer OSCEOLA CNTY HSNG FIN AUTHORIT
Jul 24, 2018	Grant Deed, Mortgage MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2022 · Amount on Record
Deed Sale	Dec 6, 2022 · Amount on Record
Prior Sale	Nov 23, 2005 · Amount on Record
Deed Document Number	2022174880
Deed Book / Page	6325 / 527
Last Transfer Date	Apr 30, 2024
Transfer Doc	0065920140
Record Updated	Sep 20, 2026

April 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 30, 2024
Property Address	3320 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8882
Document Number	0065920140
Book / Page	6592 / 140
Map Reference	MB 9 PG 37&38
Instrument Date	Apr 30, 2024
Instrument	2024056285
Transaction Type	Transfer
Record Updated	Dec 12, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3320 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8882

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3320 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8882

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 6, 2022
Property Address	3320 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8882
Document Number	0063250527
Book / Page	6325 / 527
Map Reference	MB 9 PG 37&38
Instrument Date	Nov 25, 2022
Instrument	2022174880
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	PHOENIX LAND TITLE, PHOENIX LAND T&E INC

Transaction

Amount	Amount Recorded
Tax	$606.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3320 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8882

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3320 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8882

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 24, 2018
Property Address	3320 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8882
Document Number	0053722853
Book / Page	005372 / 002853
Instrument Date	Jul 23, 2018
Instrument	113320
Transaction Type	Transfer
Record Updated	Aug 17, 2018
Title Company	COMMERCIAL PARTNERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$108,220.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2905 NORTHWEST BLVD #150 PLYMOUTH MN 554412644, 150, PLYMOUTH, MN 55441-2644

Mortgage

Document Number	53730712
Date	Jul 24, 2018
Book Page	005373/000712
Instrument	113603

Lender

Name	OSCEOLA CNTY HSNG FIN AUTHORIT
Address	135 W CENTRAL BLVD # 320, ORLANDO, FL 32801-2435

Agreement

Amount	Amount Recorded

July 2018: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 24, 2018
Property Address	3320 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8882
Document Number	0053722900
Book / Page	005372 / 002900
Instrument Date	Jul 1, 2018
Instrument	113323
Transaction Type	Mortgage
Record Updated	Aug 16, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2905 NORTHWEST BLVD #150 PLYMOUTH MN 554412644, 150, PLYMOUTH, MN 55441-2644

Mortgage

Document Number	53722900
Date	Jul 24, 2018
Book Page	005372/002900
Instrument	113323

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	135 W CENTRAL BLVD # 320, ORLANDO, FL 32801-2435

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jul 23, 2033

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	$1,550.00 (-69.39%)	$146,138 (-45.59%)	$284,000 (+5.73%) Land $60,000 Building $224,000
2024	$5,064.00 (+4.61%)
2023	$4,841.00 (+523.84%)	$268,600 (+215.12%) Land $55,000 Building $213,600	$268,600 (+20.39%) Land $55,000 Building $213,600
2022	$776.00 Homeowner's exemption	$85,238	$223,100 Land $50,000 Building $173,100

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 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% 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 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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