3420 Cypress Point Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3420 Cypress Point Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,200 sqft · built 2000
Lot Size	0.124 acres (5,401 sqft)
Owner	2 Individual Names on Record
Last Sale	$344,900 (Nov 2023)
Tax Bill	$4,237 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Nov 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`16-26-30-1266-0001-0690`

Property Details

APN / Parcel Number

Primary APN	`16-26-30-1266-0001-0690`
Alternative APNs	`263016126600010690` `86107`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,200 sqft Living Area
Gross Area	1,624 sqft
1st Floor Area	1,200 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,401 sqft (0.124 acres)
Lot Dimensions	100 ft deep x 54 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	324 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3420 CYPRESS POINT CIR
City	SAINT CLOUD
State	FL
Zip	34772-8613
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 69
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CYPRESS POINT UNIT 2
Legal Tract	1266
Legal Block	690
Legal Lot Number	69
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 15, 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	3420 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8613
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2025	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 18, 2024	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 3, 2023	Special Warranty Deed, Transfer · FHA Mortgage PINNCACLE BANK
Jun 7, 2018	Quit Claim Deed, Foreclosure PARAMOUNT TITLE
Feb 21, 2018	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2023 · Amount on Record
Deed Sale	Nov 3, 2023 · Amount on Record
Prior Sale	Feb 21, 2018 · Amount on Record
Deed Document Number	2023145754
Deed Book / Page	6500 / 1825
Prior Transfer Date	Apr 18, 2018
Prior Transfer Doc	0053460912
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3420 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8613
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3420 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8613

Mortgage

Document Number	0068890126
Date	Dec 4, 2025
Book Page	6889/126
Instrument	2025148552

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Dec 1, 2054

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3420 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8613
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3420 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8613

Mortgage

Document Number	0066980165
Date	Nov 18, 2024
Book Page	6698/165
Instrument	2024146736

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2054

November 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 3, 2023
Property Address	3420 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8613
Document Number	0065001825
Book / Page	6500 / 1825
Map Reference	MB 9 PG 37&38
Instrument Date	Sep 18, 2023
Instrument	2023145754
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	PARAMOUNT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,414.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3420 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8613
Investor	Possibly a Property Investor

Mortgage

Document Number	0065001827
Date	Nov 3, 2023
Instrument	6500/1827

Lender

Name	PINNCACLE BANK
Type	Bank

Agreement

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

June 2018: Quit Claim Deed, Foreclosure

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 7, 2018
Property Address	3420 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8613
Document Number	0053460912
Book / Page	005346 / 000912
Instrument Date	Apr 18, 2018
Instrument	88158
Transaction Type	Foreclosure
Record Updated	Jun 27, 2018
Title Company	PARAMOUNT TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	3701 REGENT BLVD IRVING TX 750632312, IRVING, TX 75063-2312

February 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 21, 2018
Property Address	3420 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8613
Document Number	0052892409
Book / Page	005289 / 002409
Instrument Date	Jan 30, 2018
Instrument	30327
Transaction Type	Foreclosure
Record Updated	Mar 9, 2018

Transaction

Amount	Amount Recorded
Tax	$1,411.31
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1000 TECHNOLOGY DR O FALLON MO 633682239, O FALLON, MO 63368-2239

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	$4,237.00 (+0.17%)	$279,600 (+5.71%) Land $60,000 Building $219,600	$279,600 (+5.71%) Land $60,000 Building $219,600
2024	$4,230.00 (-0.14%)
2023	$4,236.00 (+13.26%)	$264,500 (+20.34%) Land $55,000 Building $209,500	$264,500 (+20.34%) Land $55,000 Building $209,500
2022	$3,740.00	$219,800 Land $50,000 Building $169,800	$219,800 Land $50,000 Building $169,800

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.

Nearby Properties on Cypress Point Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures