3421 Cypress Point Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3421 Cypress Point Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,207 sqft · built 1997
Lot Size	0.133 acres (5,837 sqft)
Owner	2 Owner Names on Record
Last Sale	$82,200 (Feb 1997)
Tax Bill	$790 (2025)
Deeds & Mortgages	May 2024 Second Mortgage Mar 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`86087`

Property Details

APN / Parcel Number

Primary APN	`86087`
Alternative APN	`162630126600010490`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,207 sqft Heated Area
Gross Area	1,918 sqft
1st Floor Area	1,207 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,837 sqft (0.133 acres)
Lot Dimensions	103 ft deep x 56 ft wide
Garage Type	Finished
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	311 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	86087
Street Address	3421 CYPRESS POINT CIR
City	SAINT CLOUD
State	FL
Zip	34772-8615
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 49
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CYPRESS POINT UN 1
Legal Tract	1266
Legal Block	1
Legal Lot Number	49
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Owner Names on Record
Mailing Address	3421 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8615
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
May 31, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ADDITION FINANCIAL CU
Mar 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage ADDITION FINANCIAL CU
May 17, 2017	Deed of Trust, Mortgage · Line of Credit CENTRAL FLORIDA EDUCATORS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 1997 · Amount on Record
Deed Sale	Feb 27, 1997 · Amount on Record
Deed Document Number	0138301633
Deed Book / Page	01383 / 01633
Record Updated	Jun 8, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3421 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8615
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	PRIMERA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3421 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8615

Mortgage

Document Number	0066091913
Date	May 31, 2024
Book Page	6609/1913
Instrument	2024071987

Lender

Name	ADDITION FINANCIAL CU
Type	Credit Union
Address	MIMS, FL 32754

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 30, 2039

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3421 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8615
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	PRIMERA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3421 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8615

Mortgage

Document Number	0061820082
Date	Mar 29, 2022
Book Page	6182/82
Instrument	2022049755

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2037

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3421 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8615
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051492140
Date	May 17, 2017
Book Page	5149/2140
Instrument	2017072668

Lender

Name	CENTRAL FLORIDA EDUCATORS FCU
Type	Credit Union
Address	LAKE MARY, FL 32746

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	420 Months
Due	May 16, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$790.00 (+9.72%) Homeowner's exemption	$87,051 (+5.99%)	$269,000 (+5.78%) Land $60,000 Building $209,000
2023	$720.00 (+6.35%) Homeowner's exemption	$82,134 (+3%)	$254,300 (+20.12%) Land $55,000 Building $199,300
2022	$677.00 Homeowner's exemption	$79,742	$211,700 Land $50,000 Building $161,700

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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