Osceola County property record for 3446 Cypress Point Cir, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,553 sqft · built 1996 |
| Lot Size | 0.264 acres (11,543 sqft) |
| Owner | Individual Name on File |
| Last Sale | $325,000 (Dec 2025) |
| Tax Bill | $5,239 (2025) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage Dec 2024 Foreclosure |
| Flood Zone | Zone X (minimal risk) |
| APN | 86051 |
| Primary APN | 86051 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,553 sqft Heated Area |
| Gross Area | 1,973 sqft |
| 1st Floor Area | 1,553 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 | 11,543 sqft (0.264 acres) |
| Lot Dimensions | 126 ft deep x 100 ft wide |
| Garage Type | Finished |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 20 sqft |
| Patio Area | 80 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 86051 |
|---|---|
| Street Address | 3446 CYPRESS POINT CIR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8886 |
| 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 18 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 16 |
| Legal Subdivision | CYPRESS POINT UN 1 |
| Legal Tract | 1264 |
| Legal Block | 1 |
| Legal Lot Number | 18 |
| Legal Unit | 1P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 43208 |
Source: Osceola County records · APN 86051
Assessment roll updated July 1, 2025 · Last verified December 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3446 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8886 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 04, 2025 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 18, 2024 | Public Action, Foreclosure |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 04, 2025 · Amount on Record |
| Deed Sale | Dec 04, 2025 · Amount on Record |
| Prior Sale | Dec 18, 2024 · Amount on Record |
| Deed Document Number | 2025148959 |
| Deed Book / Page | 6889 / 1231 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 04, 2025 |
| Property Address | 3446 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8886 |
| Document Number | 0068891231 |
| Book / Page | 6889 / 1231 |
| Map Reference | MB 8 PG 107 |
| Instrument Date | Nov 21, 2025 |
| Instrument | 2025148959 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2025 |
| Title Company | ASSURE AMERICA TITLE COMPANY, ASSURE AMERICA TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,275.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6221 W ATLANTIC BLVD, MARGATE, FL 33063-5128 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3446 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8886 |
| Document Number | 0068891235 |
|---|---|
| Date | Dec 04, 2025 |
| Instrument | 6889/1235 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2055 |
| Document Type | Public Action |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 18, 2024 |
| Property Address | 3446 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8886 |
| Document Number | 0067130683 |
| Book / Page | 6713 / 683 |
| Map Reference | MB 8 PG 107&108 |
| Instrument Date | Dec 17, 2024 |
| Instrument | 2024159909 |
| Transaction Type | Foreclosure |
| Record Updated | Dec 12, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,477.00 |
| Amount Accuracy | Tax Sale |
| Name | Verified Name |
|---|---|
| Address | 3446 CYPRESS POINT CIR, SAINT CLOUD, FL 34772-8886 |
| Name | Verified Name |
|---|---|
| Address | 6221 W ATLANTIC BLVD, MARGATE, FL 33063-5128 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,239.00 (+0.38%) | $292,500 (+0.1%) Land $60,000 Building $232,500 | $292,500 (+0.1%) Land $60,000 Building $232,500 |
| 2024 | $5,219.00 (+4.59%) | $292,200 (+5.53%) Land $60,000 Building $232,200 | $292,200 (+5.53%) Land $60,000 Building $232,200 |
| 2023 | $4,990.00 (+507.8%) | $276,900 (+215.75%) Land $55,000 Building $221,900 | $276,900 (+20.44%) Land $55,000 Building $221,900 |
| 2022 | $821.00 Homeowner's exemption | $87,695 | $229,900 Land $50,000 Building $179,900 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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: Lumen Technologies, Xfinity.
Based on FCC filings for 192 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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