3340 Cypress Point Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3340 Cypress Point Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,210 sqft · built 1996
Lot Size	0.158 acres (6,882 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Jun 2026)
Tax Bill	$6,965 (2025)
Deeds & Mortgages	Jun 2023 Mortgage May 2024 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`16-26-30-1266-0001-0320`

Property Details

APN / Parcel Number

Primary APN	`16-26-30-1266-0001-0320`
Alternative APNs	`263016126600010320` `86070`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,210 sqft Living Area
Gross Area	1,690 sqft
1st Floor Area	1,210 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Conventional
Exterior Material	Concrete Block/Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,882 sqft (0.158 acres)
Lot Dimensions	115 ft deep x 60 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	3340 CYPRESS POINT CIR
City	SAINT CLOUD
State	FL
Zip	34772-8627
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	CYPRESS POINT UNIT TWO PB 9 PGS 37-38 LOT 32
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CYPRESS POINT UNIT 2
Legal Tract	1266
Legal Block	320
Legal Lot Number	32
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 October 19, 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	3340 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8627
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2023	Deed of Trust, Mortgage · FHA Mortgage SUN WEST MORTGAGE COMPANY INC
May 16, 2024	Deed of Trust, Mortgage · FHA Mortgage SUN WEST MORTGAGE COMPANY INC
Jun 3, 2026	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Jun 3, 2026	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Jul 26, 2021	Intrafamily Transfer, Transfer · FHA Mortgage SUN WEST MORTGAGE COMPANY INC
Jan 1, 2017	Loan Modification, Mortgage · Conventional Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2026 · Amount on Record
Deed Sale	Jun 3, 2026 · Amount on Record
Prior Sale	Jul 26, 2021 · Amount on Record
Deed Document Number	202671727
Deed Book / Page	6980 / 1746
Prior Transfer Date	Jul 23, 2021
Prior Transfer Doc	0060090177
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3340 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8627
Transaction Type	Mortgage
Record Updated	Jun 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3340 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8627

Mortgage

Document Number	0064312130
Date	Jun 27, 2023
Book Page	6431/2130
Instrument	2023083146

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	BUENA PARK, CA 90620

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	334 Months
Due	Apr 1, 2051

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3340 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8627
Transaction Type	Mortgage
Record Updated	Jun 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3340 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8627

Mortgage

Document Number	0066010986
Date	May 16, 2024
Book Page	6601/986
Instrument	2024064486

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	CERRITOS, CA 90703

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	323 Months
Due	Apr 1, 2051

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 3, 2026
Property Address	3340 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8627
Document Number	0000071727
Book / Page	6980 / 1746
Instrument Date	May 28, 2026
Instrument	202671727
Transaction Type	Transfer
Record Updated	Jun 12, 2026
Title Company	CLOSING SERVICES LLC, CLOSING ALLIES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$169,680.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3340 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8627

Mortgage

Document Number	0000071728,
Date	Jun 3, 2026
Instrument	202671728

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 3, 2026
Property Address	3340 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8627
Document Number	0069801746
Book / Page	6980 / 1746
Instrument Date	May 28, 2026
Instrument	202671727
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	CLOSING USA LLC, CLOSING ALLIES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$169,680.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3340 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8627

Mortgage

Document Number	0000071728,
Date	Jun 3, 2026
Instrument	202671728

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jul 26, 2021
Property Address	3340 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8627
Document Number	0060090177
Book / Page	6009 / 177
Map Reference	MB 9 PG 37&38
Instrument	2021114955
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3340 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8627

Mortgage

Document Number	0006009179
Date	Jul 26, 2021
Instrument	6009/179

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Apr 1, 2051

January 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	3340 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8627
Document Number	0051090102
Book / Page	005109 / 000102
Instrument Date	Jan 1, 2017
Transaction Type	Mortgage
Record Updated	Apr 10, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3340 CYPRESS POINT CIR ST CLOUD FL 347728627, ST CLOUD, FL 34772-8627

Mortgage

Document Number	0051090102
Date	Feb 28, 2017
Book Page	005109/000102
Instrument	32087

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Feb 27, 2042

Interest

Rate Type	Fixed Rate
Rate	4.12%

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	$6,965.00 (+2.5%)	$264,100 (+5.68%) Land $60,000 Building $204,100	$264,100 (+5.68%) Land $60,000 Building $204,100
2024	$6,795.00 (+4.91%)
2023	$6,477.00 (+8.26%)	$249,900 (+20.03%) Land $55,000 Building $194,900	$249,900 (+20.03%) Land $55,000 Building $194,900
2022	$5,983.00	$208,200 Land $50,000 Building $158,200	$208,200 Land $50,000 Building $158,200

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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