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3804 Pt Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3804 Pt Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1999
Square Footage1,079 sqft Heated Area
Lot Size6,882 sqft (0.157 acres)
OccupancyOwner Occupied
Last Sale$257,500 (2014)
Tax Bill$863.00 (2025)

Property Details

APN / Parcel Number

Primary APN86073
Alternative APN
  • 162630126600010350

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,079 sqft Heated Area
Gross Area1,639 sqft Gross Area
1st Floor1,079 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1999
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area6,882 sqft (0.157 acres)
Depth X Width100 ft x 70 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area460 sqft Garage

Exterior Amenities

FenceFence
Patio Area80 sqft Patio
PorchOpen Porch
Porch Area36 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number86073
Street Address3804 POINT DR
CitySAINT CLOUD
StateFL
Zip34772-8609
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionCYPRESS POINT UNIT TWO PB 9 PG 37-38 LOT 35
Legal Range30E
Legal Township26S
Legal Section16
Legal SubdivisionCYPRESS POINT UN 1
Legal Tract1266
Legal Block1
Legal Lot Number35
Legal UnitW
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2003
Census Tract43208

Owner

Source: Osceola County records · APN 86073

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 Record2 Individual Names on File
Mailing Address3804 POINT DR, SAINT CLOUD, FL 34772-8609
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jan 29, 2021Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
FINANCIAL FREEDOM MORTGAGE LLC
Jul 31, 2025Deed of Trust, Mortgage · Line of Credit
ADDITION FINANCIAL CREDIT UNION

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 03, 2014 · Amount on Record
Deed SaleJan 03, 2014 · Amount on Record
Prior SaleNov 16, 2007 · Amount on Record
Deed Doc Number2014001198
Deed Book / Page4552 / 1967
Record RefreshedJun 08, 2026

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3804 POINT DR, SAINT CLOUD, FL 34772-8609
Transaction TypeMortgage
Record UpdatedDec 12, 2025
Title CompanyEAGLE TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address3804 POINT DR, SAINT CLOUD, FL 34772-8609
InvestorPossibly a Property Investor

Mortgage

Document Number0058800123
DateJan 29, 2021
Book Page5880/123
Instrument2021013142
Lender
NameFINANCIAL FREEDOM MORTGAGE LLC
TypeMortgage Company
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueJan 01, 2051

July 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3804 POINT DR, SAINT CLOUD, FL 34772-8609
Transaction TypeMortgage
Record UpdatedDec 12, 2025
Title CompanyPRIMERA TITLE LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address3804 POINT DR, SAINT CLOUD, FL 34772-8609
InvestorPossibly a Property Investor

Mortgage

Document Number0068271604
DateJul 31, 2025
Book Page6827/1604
Instrument2025095265
Lender
NameADDITION FINANCIAL CREDIT UNION
TypeCredit Union
AddressLAKE MARY, FL 32746
Agreement
TypeLine of Credit
AmountAmount Recorded
Term35 Months
DueJun 29, 2028
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$863.00 (+9.38%) Homeowner's exemption$91,130 (+5.99%)$261,700 (+5.52%) Land $60,000 Building $201,700
2023$789.00 (+5.91%) Homeowner's exemption$85,983 (+3%)$248,000 (+19.69%) Land $55,000 Building $193,000
2022$745.00 Homeowner's exemption$83,479$207,200 Land $50,000 Building $157,200

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskModerate
above 53% of the US · above 24% of Florida
Wildfire LikelihoodAbout 1 in 926 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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