Osceola County property record for 3440 Buckingham Way, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 4 ba · 4,383 sqft · built 2013 |
| Lot Size | 0.357 acres (15,550 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $268,600 (Feb 2013) |
| Tax Bill | $7,116 (2025) |
| Deeds & Mortgages | May 2023 Mortgage Dec 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-26-30-0700-0001-0070 |
| Primary APN | 15-26-30-0700-0001-0070 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 4,383 sqft Living Area |
| Gross Area | 5,152 sqft |
| 1st Floor Area | 1,901 sqft |
| Upper Floors Area | 2,482 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block/Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 15,550 sqft (0.357 acres) |
| Lot Dimensions | 130 ft deep x 120 ft wide |
| Garage Type | Attached |
| Garage Area | 589 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 180 sqft |
| Patio Area | 40 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 3440 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 7 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 15 |
| Legal Subdivision | STEVENS PLANTATION |
| Legal Tract | 700 |
| Legal Block | 70 |
| Legal Lot Number | 7 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 43208 |
Source: Osceola County records, as of October 19, 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 Record |
|---|---|
| Mailing Address | 3440 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8743 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 3, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Dec 14, 2021 | Deed of Trust, Mortgage · Line of Credit DIGITAL FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 5, 2013 · Amount on Record |
| Deed Sale | Feb 5, 2013 · Amount on Record |
| Prior Sale | May 19, 2005 · Amount on Record |
| Deed Document Number | 201319819 |
| Deed Book / Page | 4391 / 1848 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3440 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8743 |
| Transaction Type | Mortgage |
| Record Updated | May 24, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3440 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8743 |
| Document Number | 0064000702 |
|---|---|
| Date | May 3, 2023 |
| Book Page | 6400/702 |
| Instrument | 2023055357 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 339 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3440 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8743 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3440 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8743 |
| Document Number | 0061070016 |
|---|---|
| Date | Dec 14, 2021 |
| Book Page | 6107/16 |
| Instrument | 2021192248 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Address | MARLBOROUGH, MA 01752 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Dec 25, 2061 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $7,116.00 (+7.8%) Homeowner's exemption | $332,641 (+5.99%) | $604,500 (+11.06%) Land $100,000 Building $504,500 |
| 2023 | $6,601.00 (+4.84%) Homeowner's exemption | $313,852 (+3%) | $544,300 (+10.32%) Land $80,000 Building $464,300 |
| 2022 | $6,296.00 Homeowner's exemption | $304,711 | $493,400 Land $78,000 Building $415,400 |
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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