3382 Cypress Point Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3382 Cypress Point Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,431 sqft · built 1999
Lot Size	0.119 acres (5,227 sqft)
Owner	Individual Name on Record
Last Sale	$255,500 (Oct 2021)
Tax Bill	$3,726 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`86136`

Property Details

APN / Parcel Number

Primary APN	`86136`
Alternative APN	`162630126700010950`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,431 sqft Heated Area
Gross Area	1,939 sqft
1st Floor Area	1,431 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,227 sqft (0.119 acres)
Lot Dimensions	104 ft deep x 50 ft wide
Garage Type	Finished
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	108 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	86136
Street Address	3382 CYPRESS POINT CIR
City	SAINT CLOUD
State	FL
Zip	34772-8631
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	CYPRESS POINT UNIT 3 PB 9 PG 111-112 LOT 95
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CYPRESS POINT UN 1
Legal Tract	1267
Legal Block	1
Legal Lot Number	95
Legal Unit	3P
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 December 11, 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
Co-owner	Co-owner on Record
Mailing Address	3382 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8631
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2023	Deed of Trust, Mortgage · Line of Credit FLORIDA CU
Oct 11, 2021	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2021 · Amount on Record
Deed Sale	Oct 11, 2021 · Amount on Record
Prior Sale	Feb 14, 2005 · Amount on Record
Deed Document Number	2021157602
Deed Book / Page	6062 / 1569
Record Updated	Jun 8, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3382 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8631
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0063822199
Date	Apr 6, 2023
Book Page	6382/2199
Instrument	2023038899

Lender

Name	FLORIDA CU
Type	Credit Union
Address	GAINESVILLE, FL 32627

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 21, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 11, 2021
Property Address	3382 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8631
Document Number	0060621569
Book / Page	6062 / 1569
Map Reference	MB 9 PG 111&112
Instrument Date	Sep 30, 2021
Instrument	2021157602
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,788.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9 ALEE DES LILAS, AMBERT XX, 63600

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3382 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8631

Mortgage

Document Number	0060621571
Date	Oct 11, 2021
Instrument	6062/1571

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$3,726.00 (+6.24%) Homeowner's exemption	$251,083 (+5.99%)	$291,500 (+5.5%) Land $60,000 Building $231,500
2023	$3,507.00 (+3.6%) Homeowner's exemption	$236,900 (+3%)	$276,300 (+20.13%) Land $55,000 Building $221,300
2022	$3,385.00 Homeowner's exemption	$230,000 Land $50,000 Building $180,000	$230,000 Land $50,000 Building $180,000

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 60% of the US · lower than 66% 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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