3420 Buckingham Way, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3420 Buckingham Way, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,757 sqft · built 2013
Lot Size	0.45 acres (19,602 sqft)
Owner	Individual Name on File
Last Sale	$298,800 (Feb 2013)
Tax Bill	$7,157 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`120370`

Property Details

APN / Parcel Number

Primary APN	`120370`
Alternative APN	`152630070000010060`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,757 sqft Heated Area
Gross Area	4,796 sqft
1st Floor Area	3,087 sqft
Upper Floors Area	670 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	19,602 sqft (0.45 acres)
Garage Type	Finished
Garage Area	587 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	36 sqft
Porch	Open Porch
Porch Area	452 sqft
Deck Area	455 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	120370
Street Address	3420 BUCKINGHAM WAY
City	SAINT CLOUD
State	FL
Zip	34772-8743
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	STEVENS PLANTATION PB 16 PGS 34-41 LOT 6
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	STEVENS PLANTATION
Legal Tract	700
Legal Block	1
Legal Lot Number	6
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2000
Census Tract	43208

Owner

3420 Buckingham Way is owned and occupied by an individual who bought it in February 2013.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3420 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8743
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2013 · Amount on File
Deed Sale	Feb 5, 2013 · Amount on File
Prior Sale	Oct 24, 2012 · Amount on File
Deed Document Number	2013019836
Deed Book / Page	4391 / 1902
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3420 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8743
Transaction Type	Mortgage
Record Updated	Mar 4, 2026
Title Company	PRIMERA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3420 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8743

Mortgage

Document Number	0069262403
Date	Feb 20, 2026
Book Page	6926/2403
Instrument	2026024440

Lender

Name	ADDITION FINANCIAL CU
Type	Credit Union
Address	LAKE MARY, FL 32746

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	420 Months
Due	Feb 13, 2061

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 3420 Buckingham Way was $7,157 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,157.00 Homeowner's exemption	$334,935	$588,500 Land $100,000 Building $488,500
2023	$6,640.00 (+4.83%) Homeowner's exemption	$316,016 (+3%)	$531,400 (+9.48%) Land $80,000 Building $451,400
2022	$6,334.00 Homeowner's exemption	$306,812	$485,400 Land $78,000 Building $407,400

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

Flood

FEMA maps place 3420 Buckingham Way in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2015.

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 File 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.

Wildfire

Wildfire risk around 3420 Buckingham Way is low, with a 0.03% annual chance of wildfire.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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