3415 Cypress Point Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3415 Cypress Point Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,212 sqft · built 1998
Lot Size	0.126 acres (5,489 sqft)
Owner	Individual Name on Record
Last Sale	$348,000 (Aug 2023)
Tax Bill	$4,609 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Aug 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`86090`

Property Details

APN / Parcel Number

Primary APN	`86090`
Alternative APN	`162630126600010520`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,212 sqft Heated Area
Gross Area	1,790 sqft
1st Floor Area	1,212 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2008
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,489 sqft (0.126 acres)
Lot Dimensions	100 ft deep x 55 ft wide
Garage Type	Finished
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	312 sqft
Porch	Open Porch
Porch Area	178 sqft
Deck Area	372 sqft
Fence	Fence
Shed	1 Shed
Shed Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	86090
Street Address	3415 CYPRESS POINT CIR
City	SAINT CLOUD
State	FL
Zip	34772-8887
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 52
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CYPRESS POINT UN 1
Legal Tract	1266
Legal Block	1
Legal Lot Number	52
Legal Unit	W
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2003
Census Tract	43208

Owner

Source: Osceola County records, as of December 11, 2025

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 Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3415 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8887
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2022	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Aug 2, 2023	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Feb 26, 2020	Warranty Deed, Transfer · Conventional with PMI NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2023 · Amount on Record
Deed Sale	Aug 2, 2023 · Amount on Record
Prior Sale	Feb 26, 2020 · Amount on Record
Deed Document Number	2023100141
Deed Book / Page	6450 / 2635
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3415 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8887
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3415 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8887

Mortgage

Document Number	0061831501
Date	Mar 30, 2022
Book Page	6183/1501
Instrument	2022051019

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 2, 2023
Property Address	3415 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8887
Document Number	0064502635
Book / Page	6450 / 2635
Map Reference	MB 9 PG 37&38
Instrument Date	Jul 28, 2023
Instrument	2023100141
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	MAGNOLIA CLOSING CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,436.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11040 TORTUGA BND APT 106, 106, ORLANDO, FL 32825-6167

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3415 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8887

Mortgage

Document Number	0064502637
Date	Aug 2, 2023
Instrument	6450/2637

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

Mortgage

Document Number	0064502658
Date	Aug 2, 2023
Book Page	6450/2658
Instrument	2023100143

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 26, 2020
Property Address	3415 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8887
Document Number	0056802819
Book / Page	005680 / 002819
Instrument Date	Feb 24, 2020
Instrument	28025
Transaction Type	Transfer
Record Updated	May 25, 2020
Title Company	PREMIER TITLE/CTRL FL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5927 LAKE POINTE VILLAGE CIR ORLANDO FL 328223577, ORLANDO, FL 32822-3577

Mortgage

Document Number	56802821
Date	Feb 26, 2020
Book Page	005680/002821
Instrument	28026

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 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	$4,609.00 (+55.39%) Homeowner's exemption	$300,400 (+45.21%) Land $60,000 Building $240,400	$300,400 (+6.11%) Land $60,000 Building $240,400
2023	$2,966.00 (+3.71%) Homeowner's exemption	$206,875 (+3%)	$283,100 (+19.6%) Land $55,000 Building $228,100
2022	$2,860.00 Homeowner's exemption	$200,850	$236,700 Land $50,000 Building $186,700

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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