Osceola County property record for 3281 Buckingham Way, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5 ba · 4,075 sqft · built 2014 |
| Lot Size | 0.358 acres (15,594 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $379,000 (May 2016) |
| Tax Bill | $8,338 (2025) |
| Deeds & Mortgages | May 2019 Mortgage Aug 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-26-30-0700-0001-0360 |
| Primary APN | 15-26-30-0700-0001-0360 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Stories | 2 Stories |
| Building Area | 4,075 sqft Living Area |
| Gross Area | 5,011 sqft |
| 1st Floor Area | 2,069 sqft |
| Upper Floors Area | 2,006 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 15,594 sqft (0.358 acres) |
| Lot Dimensions | 130 ft deep x 120 ft wide |
| Garage Type | Attached |
| Garage Area | 625 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 311 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 3281 BUCKINGHAM WAY |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8746 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SPUD |
| Legal Description | STEVENS PLANTATION PB 16 PGS 34-41 LOT 36 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 15 |
| Legal Subdivision | STEVENS PLANTATION |
| Legal Tract | 700 |
| Legal Block | 360 |
| Legal Lot Number | 36 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 43208 |
Source: Osceola County records, as of November 26, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3281 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8746 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 30, 2019 | Deed of Trust, Mortgage · Conventional Mortgage HOME1ST LENDING LLC |
| Aug 1, 2018 | Warranty Deed, Transfer · Conventional with PMI HOME1ST LENDING LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 5, 2016 · Amount on Record |
| Deed Sale | May 5, 2016 · Amount on Record |
| Prior Sale | Dec 28, 2005 · Amount on Record |
| Deed Document Number | 201667773 |
| Deed Book / Page | 4955 / 56 |
| Prior Transfer Date | Jan 15, 2014 |
| Prior Transfer Doc | 0045690120 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3281 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8746 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0055320178 |
|---|---|
| Date | May 30, 2019 |
| Book Page | 5532/0178 |
| Instrument | 2019069323 |
| Name | HOME1ST LENDING LLC |
|---|---|
| Type | Lending Institution |
| Address | ORLANDO, FL 32801 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 1, 2018 |
| Property Address | 3281 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8746 |
| Document Number | 0053770678 |
| Book / Page | 005377 / 000678 |
| Instrument Date | Jul 31, 2018 |
| Instrument | 117164 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2018 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,730.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3281 BUCKINGHAM WAY ST CLOUD FL 347728746, ST CLOUD, FL 34772-8746 |
| Document Number | 53770679 |
|---|---|
| Date | Aug 1, 2018 |
| Book Page | 005377/000679 |
| Instrument | 117165 |
| Name | HOME1ST LENDING LLC |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32801 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 31, 2048 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,338.00 (+2.58%) Homeowner's exemption | $400,876 (+5.99%) | $631,600 (+10.88%) Land $100,000 Building $531,600 |
| 2024 | $8,128.00 (+4.73%) | ||
| 2023 | $7,761.00 (+4.55%) Homeowner's exemption | $378,233 (+3%) | $569,600 (+10.09%) Land $80,000 Building $489,600 |
| 2022 | $7,423.00 Homeowner's exemption | $367,217 | $517,400 Land $78,000 Building $439,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 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 |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373 |
|---|---|
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 142 locations within half a mile, as of December 31, 2025
| 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 |
| CenturyLink DSL · Fiber in parts of the area | 100 / 100 |
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