3394 Cypress Point Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3394 Cypress Point Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,504 sqft · built 1999
Lot Size	0.126 acres (5,532 sqft)
Owner	Individual Name on Record
Last Sale	$330,000 (Apr 2025)
Tax Bill	$2,989 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Apr 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`86143`

Property Details

APN / Parcel Number

Primary APN	`86143`
Alternative APN	`162630126700011010`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,504 sqft Heated Area
Gross Area	2,002 sqft
1st Floor Area	1,504 sqft
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	5,532 sqft (0.126 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	78 sqft
Patio Area	70 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	86143
Street Address	3394 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 101
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CYPRESS POINT UN 1
Legal Tract	1267
Legal Block	1
Legal Lot Number	101
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	3394 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8632
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Apr 24, 2025	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Dec 27, 2019	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2025 · Amount on Record
Deed Sale	Apr 24, 2025 · Amount on Record
Prior Sale	Dec 27, 2019 · Amount on Record
Deed Document Number	2025051871
Deed Book / Page	6776 / 1469
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3394 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8632
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3394 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8632

Mortgage

Document Number	0061361953
Date	Jan 26, 2022
Book Page	6136/1953
Instrument	2022013572

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 24, 2025
Property Address	3394 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8632
Document Number	0067761469
Book / Page	6776 / 1469
Map Reference	MB 9 PG 111
Instrument Date	Apr 17, 2025
Instrument	2025051871
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	INFINITY TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3394 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8632

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3394 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8632

Mortgage

Document Number	0067761471
Date	Apr 24, 2025
Instrument	6776/1471

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

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

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 27, 2019
Property Address	3394 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8632
Document Number	0056480869
Book / Page	5648 / 0869
Map Reference	MB 9 PG 111
Instrument Date	Dec 27, 2019
Instrument	2019167968
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,648.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5011 S CONVENT LN, 5011, PHILADELPHIA, PA 19114-3145

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3394 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8632

Mortgage

Document Number	0056480870
Date	Dec 27, 2019
Instrument	5648/0870

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

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	$2,989.00 (+6.48%) Homeowner's exemption	$209,901 (+5.99%)	$302,300 (+5.59%) Land $60,000 Building $242,300
2023	$2,807.00 (+3.77%) Homeowner's exemption	$198,045 (+3%)	$286,300 (+20.55%) Land $55,000 Building $231,300
2022	$2,705.00 Homeowner's exemption	$192,277	$237,500 Land $50,000 Building $187,500

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 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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