Osceola County property record for 3800 Pt Dr, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1997 |
| Square Footage | 1,070 sqft Heated Area |
| Lot Size | 6,882 sqft (0.157 acres) |
| Garage | Finished, 460 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $419.00 (2025) |
| Primary APN | 86095 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,070 sqft Heated Area |
| Gross Area | 1,566 sqft Gross Area |
| 1st Floor | 1,070 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1997 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 6,882 sqft (0.157 acres) |
| Depth X Width | 100 ft x 70 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 460 sqft Garage |
| Shed | 1 Shed |
|---|---|
| Shed Area | 48 sqft Shed |
| Patio Area | 80 sqft Patio |
| Porch | Open Porch |
| Porch Area | 36 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 86095 |
|---|---|
| Street Address | 3800 POINT DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8611 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | CYPRESS POINT UNIT TWO PB 9 PG 37-38 LOT 57 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 16 |
| Legal Subdivision | CYPRESS POINT UN 1 |
| Legal Tract | 1266 |
| Legal Block | 1 |
| Legal Lot Number | 57 |
| Legal Unit | W |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2003 |
| Census Tract | 43208 |
Source: Osceola County records · APN 86095
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 |
|---|---|
| Mailing Address | 3800 POINT DR, SAINT CLOUD, FL 34772-8611 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 12, 2022 | Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP |
| Nov 09, 2017 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage AMERICAN ADVISORS |
| Nov 09, 2017 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 10, 2022 |
| Deed Sale | Dec 10, 2022 |
| Prior Sale | Nov 06, 1996 · Amount on Record |
| Prior Transfer Date | Nov 18, 1996 |
| Prior Transfer Doc | 0136102107 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3800 POINT DR, SAINT CLOUD, FL 34772-8611 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3800 POINT DR, SAINT CLOUD, FL 34772-8611 |
| Investor | Possibly a Property Investor |
| Document Number | 0062130348 |
|---|---|
| Date | May 12, 2022 |
| Book Page | 6213/348 |
| Instrument | 2022075620 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92612 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.8% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | Jun 01, 2022 |
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Index | 1-Year CMT |
| Max Rate | 8.8% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3800 POINT DR, SAINT CLOUD, FL 34772-8611 |
| Document Number | 0052422360 |
| Instrument Date | Nov 09, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 03, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 3800 POINT DR ST CLOUD FL 347728611, ST CLOUD, FL 34772-8611 |
| Document Number | 0052422360 |
|---|---|
| Date | Nov 21, 2017 |
| Book Page | 005242/002360 |
| Instrument | 166415 |
| Name | AMERICAN ADVISORS |
|---|---|
| Address | ORANGE, CA 92868 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 816 Months |
| Due | Nov 20, 2085 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.74% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3800 POINT DR, SAINT CLOUD, FL 34772-8611 |
| Document Number | 0052422376 |
| Instrument Date | Nov 09, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 3800 POINT DR ST CLOUD FL 347728611, ST CLOUD, FL 34772-8611 |
| Document Number | 0052422376 |
|---|---|
| Date | Nov 21, 2017 |
| Book Page | 005242/002376 |
| Instrument | 166416 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 816 Months |
| Due | Nov 20, 2085 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.74% |
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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $419.00 (-5.2%) Homeowner's exemption Senior Citizen's exemption Widower's exemption | $82,967 (+5.99%) | $252,500 (+5.83%) Land $60,000 Building $192,500 |
| 2023 | $442.00 (+9.95%) Homeowner's exemption Senior Citizen's exemption | $78,281 (+3%) | $238,600 (+19.96%) Land $55,000 Building $183,600 |
| 2022 | $402.00 Homeowner's exemption Senior Citizen's exemption | $76,001 | $198,900 Land $50,000 Building $148,900 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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