Osceola County property record for 3426 Cypress Point Cir, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,174 sqft · built 1996 |
| Lot Size | 0.123 acres (5,401 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $320,000 (Oct 2024) |
| Tax Bill | $3,986 (2025) |
| Deeds & Mortgages | Oct 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 86110 |
| Primary APN | 86110 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,174 sqft Heated Area |
| Gross Area | 1,840 sqft |
| 1st Floor Area | 1,174 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,401 sqft (0.123 acres) |
| Lot Dimensions | 100 ft deep x 54 ft wide |
| Garage Type | Finished |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 266 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 86110 |
|---|---|
| Street Address | 3426 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 72 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 16 |
| Legal Subdivision | CYPRESS POINT UN 1 |
| Legal Tract | 1266 |
| Legal Block | 1 |
| Legal Lot Number | 72 |
| Legal Unit | W |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 43208 |
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 | 3426 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8613 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 4, 2024 · Amount on Record |
| Deed Sale | Oct 4, 2024 · Amount on Record |
| Prior Sale | May 13, 1996 · Amount on Record |
| Deed Document Number | 2024127522 |
| Deed Book / Page | 6675 / 1011 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 4, 2024 |
| Property Address | 3426 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8613 |
| Document Number | 0066751011 |
| Book / Page | 6675 / 1011 |
| Map Reference | MB 9 PG 37 |
| Instrument Date | Sep 23, 2024 |
| Instrument | 2024127522 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,240.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3426 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8613 |
| Name | Verified Name |
|---|---|
| Address | 3426 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8613 |
| Document Number | 2024127523 |
|---|---|
| Date | Oct 4, 2024 |
| Instrument | 2024127523 |
| Name | HOMESPIRE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2054 |
| Document Number | 0066751028 |
|---|---|
| Date | Oct 4, 2024 |
| Book Page | 6675/1028 |
| Instrument | 2024127524 |
| Name | HOMESPIRE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | GAITHERSBURG, MD 20878 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,986.00 (+831.31%) Homeowner's exemption | $265,600 (+221.96%) Land $60,000 Building $205,600 | $265,600 (+5.69%) Land $60,000 Building $205,600 |
| 2023 | $428.00 (-8.15%) Homeowner's exemption Senior Citizen's exemption Widower's exemption | $82,496 (+3%) | $251,300 (+20.12%) Land $55,000 Building $196,300 |
| 2022 | $466.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption | $80,094 | $209,200 Land $50,000 Building $159,200 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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.
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.
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 |
| 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.
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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