Osceola County property record for 3396 Cypress Point Cir, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,518 sqft · built 2000 |
| Lot Size | 0.114 acres (5,009 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4 (2025) |
| Deeds & Mortgages | Jun 2021 Second Mortgage May 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 86144 |
| Primary APN | 86144 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,518 sqft Heated Area |
| Gross Area | 2,128 sqft |
| 1st Floor Area | 1,518 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| 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 | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 300 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 210 sqft |
| Deck Area | 348 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 86144 |
|---|---|
| Street Address | 3396 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 102 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 16 |
| Legal Subdivision | CYPRESS POINT UN 1 |
| Legal Tract | 1267 |
| Legal Block | 1 |
| Legal Lot Number | 102 |
| Legal Unit | 3P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 43208 |
Source: Osceola County records · APN 86144
Assessment roll updated July 1, 2025 · Last verified December 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 File |
|---|---|
| Mailing Address | 3396 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8632 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 16, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC |
| May 12, 2023 | Deed of Trust, Mortgage · Conventional Mortgage WILMINGTON SAVINGS FUND SOCIETY FSB |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 16, 2019 |
| Deed Sale | Dec 16, 2019 |
| Deed Document Number | 0064061024 |
| Deed Book / Page | 01760 / 00681 |
| Prior Transfer Date | Jul 27, 2000 |
| Prior Transfer Doc | 0176000681 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3396 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8632 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3396 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8632 |
| Document Number | 0059821463 |
|---|---|
| Date | Jun 16, 2021 |
| Book Page | 5982/1463 |
| Instrument | 2021093948 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | PHILADELPHIA, PA 19104 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 01, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3396 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8632 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3396 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8632 |
| Document Number | 0064061027 |
|---|---|
| Date | May 12, 2023 |
| Book Page | 6406/1027 |
| Instrument | 2023061020 |
| Name | WILMINGTON SAVINGS FUND SOCIETY FSB |
|---|---|
| Type | Bank |
| Address | WAYNE, PA 19087 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2053 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $128,646 (+36.08%) | $330,600 (+14.83%) Land $60,000 Building $270,600 |
| 2023 | $4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $94,536 (+3%) | $287,900 (+20.56%) Land $55,000 Building $232,900 |
| 2022 | $4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $91,783 | $238,800 Land $50,000 Building $188,800 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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: Lumen Technologies, Xfinity.
Based on FCC filings for 192 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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