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3400 Cypress Point Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3400 Cypress Point Cir, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,431 sqft · built 1997
Lot Size0.115 acres (5,009 sqft)
Owner2 Individual Names on Record
Last Sale$97,600 (Aug 1997)
Tax Bill$966 (2025)
Deeds & MortgagesMar 2026 Reverse Mortgage
Flood ZoneZone X (minimal risk)
APN16-26-30-1266-0001-0610

Property Details

APN / Parcel Number

Primary APN16-26-30-1266-0001-0610
Alternative APNs
  • 263016126600010610
  • 86099

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,431 sqft Living Area
Gross Area1,939 sqft
1st Floor Area1,431 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1997
Effective Year BuiltEffective 1997
Architectural StyleConventional
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,009 sqft (0.115 acres)
Lot Dimensions100 ft deep x 50 ft wide
Garage TypeAttached
Garage Area400 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area108 sqft
Patio Area200 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3400 CYPRESS POINT CIR
CitySAINT CLOUD
StateFL
Zip34772-8885
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSPUD
Legal DescriptionCYPRESS POINT UNIT TWO PB 9 PG 37-38 LOT 61
Legal Range30E
Legal Township26S
Legal Section16
Legal SubdivisionCYPRESS POINT UNIT 2
Legal Tract1266
Legal Block610
Legal Lot Number61
Legal UnitW
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2001
Census Tract43208

Owner

Source: Osceola County records, as of April 1, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address3400 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8885
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 21, 1997 · Amount on Record
Deed SaleAug 21, 1997 · Amount on Record
Prior SaleMay 5, 1997 · Amount on Record
Deed Book / Page1428 / 1012
Record UpdatedOct 29, 2026

March 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3400 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8885
Transaction TypeMortgage
Record UpdatedApr 2, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address3400 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8885

Mortgage

Document Number0069421292
DateMar 24, 2026
Book Page6942/1292
Instrument2026038651
Lender
NameSMARTFI HOME LOANS LLC
TypeMortgage Company
AddressFLINT, MI 48501
Agreement
TypeReverse Mortgage
AmountAmount Recorded
Term818 Months
DueMay 16, 2094

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$966.00 (+4.43%) Homeowner's exemption$96,880 (+5.99%)$285,500 (+5.62%) Land $60,000 Building $225,500
2024$925.00 (+4.28%)
2023$887.00 (+5.6%) Homeowner's exemption$91,408 (+3%)$270,300 (+20.19%) Land $55,000 Building $215,300
2022$840.00 Homeowner's exemption$88,746$224,900 Land $50,000 Building $174,900

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 41 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies41 in force
Nearby Flood Claims2 (2015–2020)
Claims Outside the SFHA2 of 2
Most Recent ClaimJan 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 RiskModerate
above 60% of the US · lower than 66% of Florida
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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