3388 Cypress Point Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3388 Cypress Point Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,513 sqft · built 1999
Lot Size	0.114 acres (5,009 sqft)
Owner	Individual Name on Record
Last Sale	$321,000 (Oct 2025)
Tax Bill	$5,339 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Aug 2025 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`86139`

Property Details

APN / Parcel Number

Primary APN	`86139`
Alternative APN	`162630126700010980`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,513 sqft Heated Area
Gross Area	1,973 sqft
1st Floor Area	1,513 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	5,009 sqft (0.114 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Finished
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	20 sqft
Patio Area	130 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	86139
Street Address	3388 CYPRESS POINT CIR
City	SAINT CLOUD
State	FL
Zip	34772-8632
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 98
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CYPRESS POINT UN 1
Legal Tract	1267
Legal Block	1
Legal Lot Number	98
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	3388 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8632
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2025	Special Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 29, 2025	Special Warranty Deed, Transfer UNKNOWN, BCHH LLC
Mar 2, 2022	Special Warranty Deed, Transfer · Commercial Mortgage GERMAN AMERICAN CAPITAL CORPORATION
Oct 5, 2020	Warranty Deed, Transfer WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2025 · Amount on Record
Deed Sale	Oct 9, 2025 · Amount on Record
Prior Sale	Aug 29, 2025 · Amount on Record
Deed Document Number	2025125653
Deed Book / Page	6862 / 1731
Record Updated	Jun 8, 2026

October 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 9, 2025
Property Address	3388 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8632
Document Number	0068621731
Book / Page	6862 / 1731
Map Reference	MB 9 PG 111&112
Instrument Date	Oct 1, 2025
Instrument	2025125653
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,247.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3903 S CONGRESS AVE # AVE40298, AVE40298, AUSTIN, TX 78704-0201

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3388 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8632
Investor	Possibly a Property Investor

Mortgage

Document Number	0068621735
Date	Oct 9, 2025
Instrument	6862/1735

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

August 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 29, 2025
Property Address	3388 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8632
Document Number	0068421908
Book / Page	6842 / 1908
Map Reference	MB 9 PG 111
Instrument Date	Aug 26, 2025
Instrument	2025108481
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	UNKNOWN, BCHH LLC

Transaction

Amount	Amount Recorded
Tax	$2,180.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	401 CONGRESS AVE, AUSTIN, TX 78701-3542

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 CONGRESS AVE, AUSTIN, TX 78701-3542
Investor	Possibly a Property Investor

March 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 2, 2022
Property Address	3388 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8632
Document Number	0061612750
Book / Page	6161 / 2750
Map Reference	MB 2 PG 114-120
Instrument Date	Feb 25, 2022
Instrument	2022033599
Transaction Type	Transfer
Record Updated	Dec 12, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5001 PLAZA ON THE LK # LK200, LK200, AUSTIN, TX 78746-1070

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5001 PLAZA ON THE LK STE 200, 200, AUSTIN, TX 78746-1053
Investor	Possibly a Property Investor

Mortgage

Document Number	0061612771
Date	Mar 2, 2022
Instrument	6161/2771

Lender

Name	GERMAN AMERICAN CAPITAL CORPORATION
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Mar 9, 2027

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 5, 2020
Property Address	3388 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8632
Document Number	0058051666
Book / Page	005805 / 001666
Instrument Date	Sep 28, 2020
Instrument	132767
Transaction Type	Transfer
Record Updated	Oct 22, 2020
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$1,698.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5001 PLAZA ON THE LK #200 AUSTIN TX 787461053, 200, AUSTIN, TX 78746-1053
Investor	Possibly a Property Investor

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	$5,339.00 (+0.49%)	$298,100 (+0.2%) Land $60,000 Building $238,100	$298,100 (+0.2%) Land $60,000 Building $238,100
2024	$5,313.00 (+4.46%)	$297,500 (+5.42%) Land $60,000 Building $237,500	$297,500 (+5.42%) Land $60,000 Building $237,500
2023	$5,086.00 (+27.98%)	$282,200 (+20.44%) Land $55,000 Building $227,200	$282,200 (+20.44%) Land $55,000 Building $227,200
2022	$3,974.00	$234,300 Land $50,000 Building $184,300	$234,300 Land $50,000 Building $184,300

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
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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