3425 Cypress Point Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3425 Cypress Point Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,034 sqft · built 1996
Lot Size	0.132 acres (5,793 sqft)
Owner	Individual Name on Record
Last Sale	$305,000 (Nov 2024)
Tax Bill	$3,667 (2025)
Deeds & Mortgages	Nov 2024 Sale & Mortgage May 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`86086`

Property Details

APN / Parcel Number

Primary APN	`86086`
Alternative APN	`162630126600010480`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,034 sqft Heated Area
Gross Area	1,510 sqft
1st Floor Area	1,034 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,793 sqft (0.132 acres)
Lot Dimensions	105 ft deep x 58 ft wide
Garage Type	Finished
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	16 sqft
Patio Area	100 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	86086
Street Address	3425 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 48
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CYPRESS POINT UN 1
Legal Tract	1266
Legal Block	1
Legal Lot Number	48
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	Individual Name on Record
Mailing Address	3425 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8615
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2024	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
May 30, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2024 · Amount on Record
Deed Sale	Nov 7, 2024 · Amount on Record
Prior Sale	May 30, 2017 · Amount on Record
Deed Document Number	2024141592
Deed Book / Page	6692 / 756
Record Updated	Jun 8, 2026

November 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 7, 2024
Property Address	3425 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8615
Document Number	0066920756
Book / Page	6692 / 756
Map Reference	MB 9 PG 37
Instrument Date	Oct 24, 2024
Instrument	2024141592
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	UNIK TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,135.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2501 MODAC TRL, WINTER PARK, FL 32789-0910

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2646 ELMWOOD DR, KISSIMMEE, FL 34758

Mortgage

Document Number	2024141593
Date	Nov 7, 2024
Instrument	2024141593

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2054

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 30, 2017
Property Address	3425 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8615
Document Number	0051551652
Book / Page	005155 / 001652
Instrument Date	May 26, 2017
Instrument	78582
Transaction Type	Transfer
Record Updated	Jul 4, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,015.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3425 CYPRESS POINT CIR ST CLOUD FL 347728615, ST CLOUD, FL 34772-8615

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	$3,667.00 (-4.01%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$252,800 (+5.73%) Land $60,000 Building $192,800	$252,800 (+5.73%) Land $60,000 Building $192,800
2023	$3,820.00 (+13.12%)	$239,100 (+19.91%) Land $55,000 Building $184,100	$239,100 (+19.91%) Land $55,000 Building $184,100
2022	$3,377.00	$199,400 Land $50,000 Building $149,400	$199,400 Land $50,000 Building $149,400

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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