Osceola County property record for 3140 Buckingham Way, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 4 ba · 4,239 sqft · built 2012 |
| Lot Size | 0.406 acres (17,685 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $770,000 (Jul 2023) |
| Tax Bill | $12,818 (2025) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Sep 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-26-30-0700-0001-0820 |
| Primary APN | 15-26-30-0700-0001-0820 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 4,239 sqft Living Area |
| Gross Area | 5,506 sqft |
| 1st Floor Area | 1,901 sqft |
| Upper Floors Area | 2,338 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 17,685 sqft (0.406 acres) |
| Garage Type | Attached |
| Garage Area | 799 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 450 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 468 sqft |
| Deck Area | 977 sqft |
| Patio Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 3140 BUCKINGHAM WAY |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8740 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SPUD |
| Legal Description | STEVENS PLANTATION PB 16 PGS 34-41 LOT 82 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 15 |
| Legal Subdivision | STEVENS PLANTATION |
| Legal Tract | 700 |
| Legal Block | 820 |
| Legal Lot Number | 82 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 43208 |
Source: Osceola County assessment roll, APN 15-26-30-0700-0001-0820, as of November 26, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3140 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8740 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 10, 2023 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage E MORTGAGE CAPITAL INC |
| Oct 24, 2018 | Warranty Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Nov 14, 2017 | Intrafamily Transfer, Transfer · VA Mortgage SUN WEST MORTGAGE COMPANY INC |
| Mar 25, 2017 | Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 10, 2023 · Amount on Record |
| Deed Sale | Jul 10, 2023 · Amount on Record |
| Prior Sale | Oct 24, 2018 · Amount on Record |
| Deed Document Number | 202388464 |
| Deed Book / Page | 6438 / 249 |
| Prior Transfer Date | Nov 07, 2017 |
| Prior Transfer Doc | 0052382678 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 10, 2023 |
| Property Address | 3140 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8740 |
| Document Number | 0064380249 |
| Book / Page | 6438 / 249 |
| Map Reference | MB 16 PG 34-41 |
| Instrument Date | Jul 07, 2023 |
| Instrument | 2023088464 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,390.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2940 SUNSET SMT, NEW BRAUNFELS, TX 78130-6858 |
| Name | Verified Name |
|---|---|
| Address | 3140 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8740 |
| Document Number | 0006438251 |
|---|---|
| Date | Jul 10, 2023 |
| Instrument | 6438/251 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3140 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8740 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3140 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8740 |
| Document Number | 0060422165 |
|---|---|
| Date | Sep 14, 2021 |
| Book Page | 6042/2165 |
| Instrument | 2021142265 |
| Name | E MORTGAGE CAPITAL INC |
|---|---|
| Type | Mortgage Company |
| Address | SANTA ANA, CA 92701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 24, 2018 |
| Property Address | 3140 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8740 |
| Document Number | 0054212289 |
| Book / Page | 5421 / 2289 |
| Map Reference | MB16 PG34-41 |
| Instrument Date | Oct 17, 2018 |
| Instrument | 2018158424 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | QUALITY TITLE & ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,346.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1100 DANA ST, 1100, BOWIE, TX 76230-3338 |
| Name | Verified Name |
|---|---|
| Address | 19279 SW 96TH LOOP, DUNNELLON, FL 34432-4201 |
| Document Number | 2018158425 |
|---|---|
| Date | Oct 24, 2018 |
| Instrument | 2018158425 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2048 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 14, 2017 |
| Property Address | 3140 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8740 |
| Document Number | 0052382678 |
| Book / Page | 5238 / 2678 |
| Map Reference | MB16 PG34-41 |
| Instrument Date | Nov 07, 2017 |
| Instrument | 2017162348 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Tax | $0.70 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3140 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8740 |
| Document Number | 0052382680 |
|---|---|
| Date | Nov 14, 2017 |
| Instrument | 5238/2680 |
| Name | SUN WEST MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3140 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8740 |
| Document Number | 0051252148 |
| Book / Page | 005125 / 002148 |
| Instrument Date | Mar 25, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2017 |
| Name | Verified Name |
|---|---|
| Address | 3140 BUCKINGHAM WAY ST CLOUD FL 347728740, ST CLOUD, FL 34772-8740 |
| Document Number | 0051252148 |
|---|---|
| Date | Apr 03, 2017 |
| Book Page | 005125/002148 |
| Instrument | 49824 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 02, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.99% |
Source: Osceola County assessment roll as of November 26, 2025 · Last verified April 2026
| 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 | $12,818.00 (-3.48%) | $651,200 (+63.87%) Land $100,000 Building $551,200 | $651,200 (+10.41%) Land $100,000 Building $551,200 |
| 2024 | $13,280.00 (+68.17%) | ||
| 2023 | $7,897.00 (+4.61%) Homeowner's exemption Senior Citizen's exemption | $397,387 (+3%) | $589,800 (+9.34%) Land $80,000 Building $509,800 |
| 2022 | $7,549.00 Homeowner's exemption Senior Citizen's exemption | $385,813 | $539,400 Land $78,000 Building $461,400 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432082, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| 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 | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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, 142 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Lumen Technologies DSL · Fiber in parts of the area | 100 / 100 |
Source: EPA Safe Drinking Water Information System, water system FL3491373, 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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