3331 Cypress Point Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3331 Cypress Point Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,244 sqft · built 1998
Lot Size	0.21 acres (9,147 sqft)
Owner	Individual Name on Record
Last Sale	$315,000 (Jan 2026)
Tax Bill	$2,693 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-26-30-1266-0001-0380`

Property Details

APN / Parcel Number

Primary APN	`16-26-30-1266-0001-0380`
Alternative APNs	`263016126600010380` `86076`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,244 sqft Living Area
Gross Area	1,724 sqft
1st Floor Area	1,244 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,147 sqft (0.21 acres)
Lot Dimensions	100 ft deep x 84 ft wide
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	20 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3331 CYPRESS POINT CIR
City	SAINT CLOUD
State	FL
Zip	34772-8628
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 38
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CYPRESS POINT UNIT 2
Legal Tract	1266
Legal Block	380
Legal Lot Number	38
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 February 9, 2026

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	3331 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8628
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST FLORIDA CU
Oct 10, 2018	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 29, 2026 · Amount on Record
Deed Sale	Jan 29, 2026 · Amount on Record
Prior Sale	Oct 10, 2018 · Amount on Record
Deed Document Number	202612665
Deed Book / Page	6914 / 2340
Prior Transfer Date	Jul 16, 2008
Prior Transfer Doc	0037130996
Record Updated	Jun 8, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 29, 2026
Property Address	3331 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8628
Document Number	0069142340
Book / Page	6914 / 2340
Map Reference	MB 9 PG 37&38
Instrument Date	Jan 28, 2026
Instrument	2026012665
Transaction Type	Transfer
Record Updated	Feb 12, 2026
Title Company	RED DOOR TITLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	443 WYOMING AVE, SAINT CLOUD, FL 34769-3077

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3331 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8628

Mortgage

Document Number	0069142342
Date	Jan 29, 2026
Instrument	6914/2342

Lender

Name	FIRST FLORIDA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 10, 2018
Property Address	3331 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8628
Document Number	0054152098
Book / Page	5415 / 2098
Map Reference	MB9 PG37
Instrument Date	Oct 1, 2018
Instrument	2018152541
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	OLIVER TITLE LAW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,414.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1849 RAIN LILY PL, 1849, SAINT CLOUD, FL 34771-8557

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3331 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8628

Mortgage

Document Number	2018152542
Date	Oct 10, 2018
Instrument	2018152542

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	Conventional 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	$2,693.00 (+3.62%) Homeowner's exemption	$193,383 (+5.99%)	$276,200 (+5.74%) Land $60,000 Building $216,200
2024	$2,599.00 (+2.85%)
2023	$2,527.00 (+3.86%) Homeowner's exemption	$182,460 (+3%)	$261,200 (+20.09%) Land $55,000 Building $206,200
2022	$2,433.00 Homeowner's exemption	$177,146	$217,500 Land $50,000 Building $167,500

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
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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