3437 Cypress Point Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3437 Cypress Point Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,052 sqft · built 1996
Lot Size	0.122 acres (5,314 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Feb 2021)
Tax Bill	$4,625 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Nov 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`16-26-30-1264-0001-0090`

Property Details

APN / Parcel Number

Primary APN	`16-26-30-1264-0001-0090`
Alternative APNs	`263016126400010090` `86035`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,052 sqft Living Area
Gross Area	1,548 sqft
1st Floor Area	1,052 sqft
Flooring	Tile
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	Metal Porch
Porch Area	216 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3437 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 9
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CYPRESS POINT UNIT 1
Legal Tract	1264
Legal Block	90
Legal Lot Number	9
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	4845 TERRA SOLE PL, SAINT CLOUD, FL 34771-8804
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2021	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC
Nov 12, 2020	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2021 · Amount on Record
Deed Sale	Feb 5, 2021 · Amount on Record
Prior Sale	Nov 12, 2020 · Amount on Record
Deed Document Number	202117202
Deed Book / Page	5885 / 2427
Prior Transfer Date	Aug 10, 2015
Prior Transfer Doc	0048392656
Record Updated	Jun 8, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 5, 2021
Property Address	3437 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8888
Document Number	0058852427
Book / Page	5885 / 2427
Map Reference	MB 8 PG 107&108
Instrument Date	Feb 4, 2021
Instrument	2021017202
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4845 TERRA SOLE PL, SAINT CLOUD, FL 34771-8804

Mortgage

Document Number	0058852429
Date	Feb 5, 2021
Instrument	5885/2429

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 12, 2020
Property Address	3437 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8888
Document Number	0058312648
Book / Page	005831 / 002648
Instrument Date	Nov 12, 2020
Instrument	155224
Transaction Type	Transfer
Record Updated	Nov 26, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Tax	$1,351.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2150 E GERMANN RD #1 CHANDLER AZ 852861662, 1, CHANDLER, AZ 85286-1662

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	$4,625.00 (+3.61%)	$258,200 (+5.69%) Land $60,000 Building $198,200	$258,200 (+5.69%) Land $60,000 Building $198,200
2024	$4,464.00 (+7.57%)
2023	$4,150.00 (+12.96%)	$244,300 (+19.93%) Land $55,000 Building $189,300	$244,300 (+19.93%) Land $55,000 Building $189,300
2022	$3,674.00	$203,700 Land $50,000 Building $153,700	$203,700 Land $50,000 Building $153,700

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
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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