Osceola County property record for 3501 Buckingham Way, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,481 sqft · built 2017 |
| Lot Size | 0.357 acres (15,594 sqft) |
| Owner | Individual on Record |
| Last Sale | $454,920 (Jan 2018) |
| Tax Bill | $8,851 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage Jan 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 120409 |
| Primary APN | 120409 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,481 sqft Heated Area |
| Gross Area | 4,344 sqft |
| 1st Floor Area | 2,865 sqft |
| Upper Floors Area | 616 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 15,594 sqft (0.357 acres) |
| Lot Dimensions | 130 ft deep x 120 ft wide |
| Garage Type | Finished |
| Garage Area | 579 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 276 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 284 sqft |
| Deck Area | 468 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 120409 |
|---|---|
| Street Address | 3501 BUCKINGHAM WAY |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8749 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SPUD |
| Legal Description | STEVENS PLANTATION PB 16 PGS 34-41 LOT 45 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 15 |
| Legal Subdivision | STEVENS PLANTATION |
| Legal Tract | 700 |
| Legal Block | 1 |
| Legal Lot Number | 45 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 43208 |
Source: Osceola County assessment roll, as of July 1, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual on Record |
|---|---|
| Mailing Address | 3501 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8749 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 8, 2020 | Deed of Trust, Mortgage · Conventional with PMI LOWER |
| Jan 16, 2018 | Special Warranty Deed, Transfer · Conventional Mortgage FBC MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 16, 2018 · Amount on Record |
| Deed Sale | Jan 16, 2018 · Amount on Record |
| Prior Sale | Apr 17, 2012 · Amount on Record |
| Deed Document Number | 2018007952 |
| Deed Book / Page | 5269 / 1460 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3501 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8749 |
| Document Number | 0057551932 |
| Instrument Date | Jul 8, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 3501 BUCKINGHAM WAY ST CLOUD FL 347728749, ST CLOUD, FL 34772-8749 |
| Document Number | 0057551932 |
|---|---|
| Date | Jul 16, 2020 |
| Book Page | 005755/001932 |
| Instrument | 92719 |
| Name | LOWER |
|---|---|
| Address | COLUMBIA, MD 21044 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 15, 2040 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 16, 2018 |
| Property Address | 3501 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8749 |
| Document Number | 0052691460 |
| Book / Page | 5269 / 1460 |
| Map Reference | MB16 PG34 |
| Instrument Date | Dec 19, 2017 |
| Instrument | 2018007952 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2022 |
| Title Company | PSH TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,185.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5200 VINELAND RD STE 200, 5200, ORLANDO, FL 32811-7674 |
| Name | Verified Name |
|---|---|
| Address | 3501 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8749 |
| Document Number | 2018007953 |
|---|---|
| Date | Jan 16, 2018 |
| Instrument | 2018007953 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2048 |
Source: Osceola County assessment roll, as of July 1, 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 | $8,851.00 (+7.31%) Homeowner's exemption | $429,575 (+5.99%) | $564,900 (+11.4%) Land $100,000 Building $464,900 |
| 2023 | $8,248.00 (+4.46%) Homeowner's exemption | $405,310 (+3%) | $507,100 (+9.74%) Land $80,000 Building $427,100 |
| 2022 | $7,896.00 Homeowner's exemption | $393,505 | $462,100 Land $78,000 Building $384,100 |
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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