3417 Cypress Point Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3417 Cypress Point Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,244 sqft · built 1998
Lot Size	0.11 acres (4,791 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,000 (Jul 2024)
Tax Bill	$4,165 (2025)
Deeds & Mortgages	Jul 2024 Sale & Mortgage Jul 2022 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`16-26-30-1266-0001-0510`

Property Details

APN / Parcel Number

Primary APN	`16-26-30-1266-0001-0510`
Alternative APNs	`263016126600010510` `86089`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,244 sqft Living Area
Gross Area	1,724 sqft
1st Floor Area	1,244 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,791 sqft (0.11 acres)
Lot Dimensions	96 ft deep x 53 ft wide
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	20 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3417 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 51
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CYPRESS POINT UNIT 2
Legal Tract	1266
Legal Block	510
Legal Lot Number	51
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 November 26, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3417 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8887
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2024	Special Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jul 6, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Apr 26, 2022	Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO
Mar 14, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jan 12, 2017	Intrafamily Transfer, Transfer · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2024 · Amount on Record
Deed Sale	Jul 25, 2024 · Amount on Record
Prior Sale	Jul 6, 2022 · Amount on Record
Deed Document Number	202497248
Deed Book / Page	6639 / 892
Prior Transfer Date	Jan 5, 2017
Prior Transfer Doc	0050851518
Record Updated	Jun 8, 2026

July 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 25, 2024
Property Address	3417 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8887
Document Number	0066390892
Book / Page	6639 / 892
Map Reference	MB 9 PG 37
Instrument Date	Jun 18, 2024
Instrument	2024097248
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST PRIORITY TITLE COMPANY, FIRST INTEGRITY TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,380.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1850 PARKWAY PL SE STE 900, 900, MARIETTA, GA 30067-8261

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3417 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8887

Mortgage

Document Number	2024097249
Date	Jul 25, 2024
Instrument	2024097249

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2054

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 6, 2022
Property Address	3417 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8887
Document Number	0062452450
Book / Page	6245 / 2450
Map Reference	MB 9 PG 37
Instrument Date	Jun 23, 2022
Instrument	2022104076
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$2,379.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1850 PARKWAY PL SE STE 900, 900, MARIETTA, GA 30067-8261
Investor	Possibly a Property Investor

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 26, 2022
Property Address	3417 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8887
Document Number	0062011820
Book / Page	6201 / 1820
Map Reference	MB 9 PG 37
Instrument Date	Apr 1, 2022
Instrument	2022065860
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$2,030.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1963 ROLLING GREEN CIR, SARASOTA, FL 34240-9313

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662
Investor	Possibly a Property Investor

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 14, 2022
Property Address	3417 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8887
Document Number	0061700294
Book / Page	6170 / 294
Map Reference	MB 9 PG 37
Instrument Date	Mar 11, 2022
Instrument	2022040077
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$1,365.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4622 MILDRED BASS RD, SAINT CLOUD, FL 34772-9388

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1963 ROLLING GREEN CIR, SARASOTA, FL 34240-9313

January 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jan 12, 2017
Property Address	3417 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8887
Document Number	0050851518
Book / Page	5085 / 1518
Map Reference	MB9 PG37&38
Instrument Date	Jan 5, 2017
Instrument	2017007631
Transaction Type	Transfer
Record Updated	Feb 8, 2022

Transaction

Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3417 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8887

Mortgage

Document Number	0050851521
Date	Jan 12, 2017
Instrument	5085/1521

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

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	$4,165.00 (-15.24%)	$275,600 (+5.76%) Land $60,000 Building $215,600	$275,600 (+5.76%) Land $60,000 Building $215,600
2024	$4,914.00 (+4.62%)
2023	$4,697.00 (+45.82%)	$260,600 (+20.15%) Land $55,000 Building $205,600	$260,600 (+20.15%) Land $55,000 Building $205,600
2022	$3,221.00	$216,900 Land $50,000 Building $166,900	$216,900 Land $50,000 Building $166,900

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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