3402 Cypress Point Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3402 Cypress Point Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,448 sqft · built 2000
Lot Size	0.114 acres (5,009 sqft)
Owner	Individual Name on Record
Last Sale	$118,000 (Nov 2012)
Tax Bill	$977 (2025)
Deeds & Mortgages	Dec 2025 Second Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`86100`

Property Details

APN / Parcel Number

Primary APN	`86100`
Alternative APN	`162630126600010620`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,448 sqft Heated Area
Gross Area	1,956 sqft
1st Floor Area	1,448 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

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

Exterior Amenities

Porch	Open Porch
Porch Area	108 sqft
Patio Area	49 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	86100
Street Address	3402 CYPRESS POINT CIR
City	SAINT CLOUD
State	FL
Zip	34772-8885
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	CYPRESS POINT UNIT TWO PB 9 PG 37-38 LOT 62
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CYPRESS POINT UN 1
Legal Tract	1266
Legal Block	1
Legal Lot Number	62
Legal Unit	W
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
Mailing Address	3402 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8885
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Aug 6, 2021	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Aug 3, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 26, 2012 · Amount on Record
Deed Sale	Nov 26, 2012 · Amount on Record
Prior Sale	Jan 13, 2003 · Amount on Record
Deed Document Number	2012173433
Deed Book / Page	4355 / 1738
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3402 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8885
Transaction Type	Mortgage
Record Updated	Jan 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3402 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8885

Mortgage

Document Number	0068992138
Date	Dec 30, 2025
Book Page	6899/2138
Instrument	2025157828

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3402 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8885
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3402 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8885
Investor	Possibly a Property Investor

Mortgage

Document Number	0060172658
Date	Aug 6, 2021
Book Page	6017/2658
Instrument	2021122106

Lender

Name	ROCKET MORTGAGE LLC
Type	Non-Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3402 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8885
Document Number	0055700341
Instrument Date	Aug 3, 2019
Transaction Type	Mortgage
Record Updated	Aug 27, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3402 CYPRESS POINT CIR ST CLOUD FL 347728885, ST CLOUD, FL 34772-8885

Mortgage

Document Number	0055700341
Date	Aug 8, 2019
Book Page	005570/000341
Instrument	102142

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 7, 2049

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	$977.00 (+8.92%) Homeowner's exemption	$97,479 (+5.99%)	$291,700 (+5.61%) Land $60,000 Building $231,700
2023	$897.00 (+5.53%) Homeowner's exemption	$91,973 (+3%)	$276,200 (+20.3%) Land $55,000 Building $221,200
2022	$850.00 Homeowner's exemption	$89,295	$229,600 Land $50,000 Building $179,600

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 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	None beyond ember reach

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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