3412 Cypress Point Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3412 Cypress Point Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,431 sqft · built 1999
Lot Size	0.134 acres (5,837 sqft)
Owner	Individual Name on Record
Last Sale	$100 (Jan 2017)
Tax Bill	$1,044 (2025)
Deeds & Mortgages	May 2021 Second Mortgage Mar 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16-26-30-1266-0001-0660`

Property Details

APN / Parcel Number

Primary APN	`16-26-30-1266-0001-0660`
Alternative APNs	`263016126600010660` `86104`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,431 sqft Living Area
Gross Area	1,939 sqft
1st Floor Area	1,431 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,837 sqft (0.134 acres)
Lot Dimensions	100 ft deep x 58 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	552 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3412 CYPRESS POINT CIR
City	SAINT CLOUD
State	FL
Zip	34772-8612
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 66
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CYPRESS POINT UNIT 2
Legal Tract	1266
Legal Block	660
Legal Lot Number	66
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 November 26, 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	3412 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8612
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ADDITION FINANCIAL CU
Mar 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
May 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Mar 15, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 1, 2017 · Amount on Record
Deed Sale	Jan 1, 2017 · Amount on Record
Prior Sale	Mar 17, 1999 · Amount on Record
Deed Book / Page	5117 / 126
Last Transfer Date	Jan 20, 2017
Transfer Doc	0051170126
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3412 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8612
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	PRIMERA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3412 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8612

Mortgage

Document Number	0059521525
Date	May 6, 2021
Book Page	5952/1525
Instrument	2021069825

Lender

Name	ADDITION FINANCIAL CU
Type	Credit Union
Address	LAKE MARY, FL 32746

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 5, 2036

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3412 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8612
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054982275
Date	Mar 28, 2019
Book Page	5498/2275
Instrument	2019039279

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3412 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8612
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051431555
Date	May 5, 2017
Book Page	5143/1555
Instrument	2017066677

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 15, 2017
Property Address	3412 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8612
Document Number	0051170126
Book / Page	005117 / 000126
Instrument Date	Jan 20, 2017
Instrument	40107
Transaction Type	Transfer
Record Updated	Apr 12, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3412 CYPRESS POINT CIR ST CLOUD FL 347728612, ST CLOUD, FL 34772-8612

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$1,044.00 (+4.4%) Homeowner's exemption	$101,219 (+5.99%)	$305,400 (+5.6%) Land $60,000 Building $245,400
2024	$1,000.00 (+4.06%)
2023	$961.00 (+5.49%) Homeowner's exemption	$95,502 (+3%)	$289,200 (+20.55%) Land $55,000 Building $234,200
2022	$911.00 Homeowner's exemption	$92,721	$239,900 Land $50,000 Building $189,900

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 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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