3435 Cypress Point Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3435 Cypress Point Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,070 sqft · built 1996
Lot Size	0.122 acres (5,314 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (Aug 2018)
Tax Bill	$2,484 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-26-30-1264-0001-0100`

Property Details

APN / Parcel Number

Primary APN	`16-26-30-1264-0001-0100`
Alternative APNs	`263016126400010100` `86043`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,070 sqft Living Area
Gross Area	1,566 sqft
1st Floor Area	1,070 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,314 sqft (0.122 acres)
Lot Dimensions	95 ft deep x 56 ft wide
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	36 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3435 CYPRESS POINT CIR
City	SAINT CLOUD
State	FL
Zip	34772-8888
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	CYPRESS POINT UNIT 1 PB 8 PG 107-108 LOT 10
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CYPRESS POINT UNIT 1
Legal Tract	1264
Legal Block	100
Legal Lot Number	10
Legal Unit	1P
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	3435 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8888
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2022	Intrafamily Transfer, Transfer · VA Mortgage CALIBER HOME LOANS INC
Aug 7, 2018	Warranty Deed, Transfer · VA Mortgage MORTGAGE FIRM

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2018 · Amount on Record
Deed Sale	Aug 7, 2018 · Amount on Record
Prior Sale	Oct 1, 2009 · Amount on Record
Deed Document Number	2018120469
Deed Book / Page	5380 / 2297
Last Transfer Date	Oct 3, 2020
Transfer Doc	0062001348
Record Updated	Jun 8, 2026

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Apr 25, 2022
Property Address	3435 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8888
Document Number	0062001348
Book / Page	6200 / 1348
Map Reference	MB 8 PG 107&108
Instrument Date	Oct 3, 2020
Instrument	2022064757
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3435 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8888

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3435 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8888

Mortgage

Document Number	0062001351
Date	Apr 25, 2022
Instrument	6200/1351

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	343 Months
Due	Nov 1, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 7, 2018
Property Address	3435 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8888
Document Number	0053802297
Book / Page	005380 / 002297
Instrument Date	Aug 6, 2018
Instrument	120469
Transaction Type	Transfer
Record Updated	Aug 27, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$133.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3435 CYPRESS POINT CIR ST CLOUD FL 347728888, ST CLOUD, FL 34772-8888

Mortgage

Document Number	53802299
Date	Aug 7, 2018
Book Page	005380/002299
Instrument	120470

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 6, 2048

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	$2,484.00 (+3.67%) Homeowner's exemption	$181,691 (+5.99%)	$257,200 (+5.58%) Land $60,000 Building $197,200
2024	$2,396.00 (+2.92%)
2023	$2,328.00 (+3.93%) Homeowner's exemption	$171,429 (+3%)	$243,600 (+19.65%) Land $55,000 Building $188,600
2022	$2,240.00 Homeowner's exemption	$166,436	$203,600 Land $50,000 Building $153,600

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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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