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3160 Buckingham Way, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3160 Buckingham Way, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,865 sqft · built 2018
Lot Size0.402 acres (17,511 sqft)
Owner2 Individual Names on Record
Last Sale$365,000 (Feb 2020)
Tax Bill$1,934 (2025)
Deeds & MortgagesApr 2026 Sale
Dec 2025 Transfer
+ 4 more
Flood ZoneZone X (minimal risk)
APN15-26-30-0700-0001-0830

Property Details

APN / Parcel Number

Primary APN15-26-30-0700-0001-0830
Alternative APNs
  • 263015070000010830
  • 120447

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,865 sqft Living Area
Gross Area3,728 sqft
1st Floor Area2,865 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2018
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area17,511 sqft (0.402 acres)
Garage TypeAttached
Garage Area579 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area300 sqft
PorchFinished/Open Porch
Porch Area284 sqft
Deck Area500 sqft
Shed1 Shed
Shed Area80 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3160 BUCKINGHAM WAY
CitySAINT CLOUD
StateFL
Zip34772-8740
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSPUD
Legal DescriptionSTEVENS PLANTATION PB 16 PGS 34-41 LOT 83
Legal Range30E
Legal Township26S
Legal Section15
Legal SubdivisionSTEVENS PLANTATION
Legal Tract700
Legal Block1
Legal Lot Number83
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2000
Census Tract43208

Owner

Source: Osceola County records, as of July 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address3160 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8740
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Apr 17, 2026Warranty Deed, Transfer
NONE LISTED ON DOCUMENT
Dec 10, 2025Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Jul 7, 2021Deed of Trust, Mortgage · VA Mortgage
NEW DAY FINANCIAL LLC
Jul 12, 2021Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Feb 18, 2020Warranty Deed, Transfer · Conventional Mortgage
ATLANTIC BAY MORTGAGE GROUP LLC
Mar 2, 2018Grant Deed, Transfer · VA Mortgage
NAVY FCU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 18, 2020 · Amount on Record
Deed SaleFeb 18, 2020 · Amount on Record
Prior SaleMar 2, 2018 · Amount on Record
Deed Document Number202023773
Deed Book / Page5675 / 2687
Last Transfer DateDec 4, 2025
Transfer Doc0068910143
Record UpdatedSep 20, 2026

April 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 17, 2026
Property Address3160 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8740
Document Number0069571035
Book / Page6957 / 1035
Instrument DateApr 15, 2026
Instrument202651255
Transaction TypeTransfer
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address3160 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8740

December 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateDec 10, 2025
Property Address3160 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8740
Document Number0068910143
Book / Page6891 / 143
Map ReferenceMB 5675 PG 2687
Instrument DateDec 4, 2025
Instrument2025150486
Transaction TypeTransfer
Record UpdatedDec 22, 2025
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3160 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8740

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address3160 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8740

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3160 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8740
Transaction TypeMortgage
Record UpdatedJan 22, 2024
Title CompanyWFG LENDER SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address3160 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8740

Mortgage

Document Number0059962465
DateJul 7, 2021
Book Page5996/2465
Instrument2021105224
Lender
NameNEW DAY FINANCIAL LLC
TypeMortgage Company
AddressFULTON, MD 20759
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 1, 2051

July 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateJul 12, 2021
Property Address3160 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8740
Document Number0059991601
Book / Page5999 / 1601
Map ReferenceMB 16 PG 34
Instrument DateJun 24, 2021
Instrument2021107442
Transaction TypeTransfer
Record UpdatedJul 23, 2021
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address3160 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8740

February 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 18, 2020
Property Address3160 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8740
Document Number0056752687
Book / Page5675 / 2687
Map ReferenceMB 16 PG 34
Instrument DateFeb 13, 2020
Instrument2020023773
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyCORE TITLE SERVICES LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,555.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3410 BELMONTE DR, 3410, INDIAN LAKE ESTATES, FL 33855

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address3160 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8740

Mortgage

Document Number0056752689
DateFeb 18, 2020
Instrument5675/2689
Lender
NameATLANTIC BAY MORTGAGE GROUP LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2050

March 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateMar 2, 2018
Property Address3160 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8740
Document Number0052942741
Book / Page005294 / 002741
Instrument DateFeb 23, 2018
Instrument35685
Transaction TypeTransfer
Record UpdatedMar 26, 2018
Title CompanyFIDELITY NATIONAL TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,380.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3160 BUCKINGHAM WAY ST CLOUD FL 347728740, ST CLOUD, FL 34772-8740

Mortgage

Document Number52942743
DateMar 2, 2018
Book Page005294/002743
Instrument35686
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueMar 1, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,934.00 (-73.29%) Homeowner's exemption Veteran's exemption$354,922 (+5.99%)$513,700 (+11.43%) Land $100,000 Building $413,700
2024$7,242.00 (+5.11%)
2023$6,890.00 (+4.98%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$334,874 (+3.18%)$461,000 (+9.16%) Land $80,000 Building $381,000
2022$6,563.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$324,538$422,300 Land $78,000 Building $344,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 41 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies41 in force
Nearby Flood Claims2 (2015–2020)
Claims Outside the SFHA2 of 2
Most Recent ClaimJan 2020 · other causes

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood0.04% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 142 locations within half a mile, as of December 31, 2025

ProviderMax 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
CenturyLink
DSL · Fiber in parts of the area		100 / 100

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