Hi Debbie Sue,
I have the exact same problem. I wake up EVERY night at approx 3:20 am. Sometimes, it's 3:17, or 3:18 or 3:19. It's spooky.(Did you ever see Amityville Horror where the guy wakes up every night at EXACTLY the same time every night???)
Anyway, I brought it up with my dr. and he tested my blood....my iron was low. So he started me on an iron supplement (Palafer)
That was not the answer to my problems, I've since gone through a sleep test, and I do have sleep apnea, and am waiting to get a CPAP Machine. But my point is that maybe it's your iron?? He told me that low iron can often bring insomnia.
I've got no medical training, it's just a thought.................
Theresa