3453 Goldeneye Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3453 Goldeneye Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,365 sqft · built 2006
Lot Size	0.221 acres (9,670 sqft)
Owner	2 Owner Names on File
Last Sale	$176,900 (Mar 2014)
Tax Bill	$2,932 (2025)
Deeds & Mortgages	Jan 2020 Mortgage May 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`135905`

Property Details

APN / Parcel Number

Primary APN	`135905`
Alternative APN	`272630056200010500`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,365 sqft Heated Area
Gross Area	2,950 sqft
1st Floor Area	2,365 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,670 sqft (0.221 acres)
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	165 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	135905
Street Address	3453 GOLDENEYE LN
City	SAINT CLOUD
State	FL
Zip	34772-7768
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	MALLARD POND PH 1 PB 17 PGS 127-131 LOT 50
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	MALLARD POND PHASE 1 - 3
Legal Phase	1
Legal Tract	562
Legal Block	1
Legal Lot Number	50
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1013
Census Tract	43207

Owner

The current owner of 3453 Goldeneye Ln bought it in March 2014.

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

Owner of Record	2 Owner Names on File
Mailing Address	3453 GOLDENEYE LN, SAINT CLOUD, FL 34772-7768
Occupancy	Owner Occupied

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

Date	Document
Jan 21, 2020	Deed of Trust, Mortgage · VA Mortgage ATLANTIC HM LOANS
May 17, 2017	Deed of Trust, Mortgage · Line of Credit NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2014 · Amount on File
Deed Sale	Mar 4, 2014 · Amount on File
Prior Sale	May 16, 2013
Deed Document Number	2014030897
Deed Book / Page	4577 / 1703
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3453 GOLDENEYE LN, SAINT CLOUD, FL 34772-7768
Document Number	0056681568
Instrument Date	Jan 21, 2020
Transaction Type	Mortgage
Record Updated	Feb 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3453 GOLDENEYE LN ST CLOUD FL 347727768, ST CLOUD, FL 34772-7768

Mortgage

Document Number	0056681568
Date	Feb 4, 2020
Book Page	005668/001568
Instrument	16890

Lender

Name	ATLANTIC HM LOANS
Type	Funding / Finance Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Feb 3, 2045

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3453 GOLDENEYE LN, SAINT CLOUD, FL 34772-7768
Document Number	0051562799
Book / Page	005156 / 002799
Instrument Date	May 17, 2017
Transaction Type	Mortgage
Record Updated	Jul 17, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3453 GOLDENEYE LN ST CLOUD FL 347727768, ST CLOUD, FL 34772-7768

Mortgage

Document Number	0051562799
Date	Jun 1, 2017
Book Page	005156/002799
Instrument	79822

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	May 31, 2057

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3453 Goldeneye Ln was $2,932 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	$2,932.00 Homeowner's exemption	$206,731	$348,600 Land $70,000 Building $278,600
2023	$2,753.00 (+3.77%) Homeowner's exemption	$195,054 (+3%)	$332,900 (+15.27%) Land $60,000 Building $272,900
2022	$2,653.00 Homeowner's exemption	$189,373	$288,800 Land $55,000 Building $233,800

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

Flood

FEMA maps place 3453 Goldeneye Ln in Zone X, an area of minimal flood risk.

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 34 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	34 in force

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 3453 Goldeneye Ln is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 82% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 429 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
CenturyLink DSL	140 / 20

May also be available: AT&T, Verizon, Xfinity.

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