3434 CYPRESS POINT CIRCLE, ST CLOUD, FL, 34772
Active29 days on marketListed Aug 25, 2026MLS #S5156214
About this home
3434 CYPRESS POINT CIRCLE
Delightful home in St. Cloud. This lovely three bedroom, two bath home opens up into the living room and dining room. There is a spacious eat-in-kitchen with a refrigerator, range and dishwasher. The primary bedroom is off the dining room and has s and a large vanity and a shower. Some of the other amenities are sliding glass doors that lead the back yard and a two car garage with washer and dryer hookup. This property backs up to a pond.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,248
Sqft
0.17 ac
Lot size
2
Garage
1996
Year built
One
Levels
$252
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,546 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,546/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−5.6%
$/sqft vs St Cloud actives
$252 vs $216
Days on market
29 vs 47 typical
Where $252/sqft sits among the 400 St Cloud actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
The investor lens
Two ways this home pays
This home sits inside Cypress Point, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,350/mo median
Live St Cloud rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Cypress Point
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Cypress Point is a short-term-rental community. See the full guide →
ST CLOUD 34772 — neighborhood snapshot
Population
33,542
Median age
39.9
Median income
$86,900
Median home value
$352,400
Avg household
3.05
Households w/ children
4,027
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$412K → $394K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
250 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 21% below the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 3434 CYPRESS POINT CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$290,000
3433 CYPRESS POINT CIRCLE · same community
3 bd · 2 ba · 1,279 sqft · $227/sqft · 9 DOM
Sold · Nov ’25$325,000
3446 CYPRESS POINT CIRCLE · same community
3 bd · 2 ba · 1,553 sqft · $209/sqft · 148 DOM
Sold · Mar ’26$324,900
2901 CIALELLA PASS
3 bd · 2 ba · 1,224 sqft · $265/sqft · 41 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about 3434 CYPRESS POINT CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3434 CYPRESS POINT CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3434 CYPRESS POINT CIRCLE FAQs
What would the monthly payment be for 3434 CYPRESS POINT CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,546/mo — principal and interest, the actual property-tax bill, the $54/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 3434 CYPRESS POINT CIRCLE?+
The association fee works out to $54 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3434 CYPRESS POINT CIRCLE?+
The most recent tax bill on record (2025) was $4,062. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 3434 CYPRESS POINT CIRCLE be rented short-term?+
Yes — this home sits inside Cypress Point, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 3434 CYPRESS POINT CIRCLE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Cloud?+
At $315,000, this home is listed about 27% below the St Cloud median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3434 CYPRESS POINT CIRCLE?+
Neptune Elementary School (elementary), St. Cloud High School (high), Neptune Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of CLARK INVESTMENT PROPERTIES · Renee Clark. MLS #S5156214.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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