Osceola County property record for 3509 Cayugas Loop, Saint Cloud, FL 34772 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2014 |
| Square Footage | 1,684 sqft Living Area |
| Lot Size | 7,405 sqft (0.17 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $195,000 (2015) |
| Tax Bill | $4.00 (2025) |
| Primary APN | 27-26-30-0180-0001-5270 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,684 sqft Living Area |
| Gross Area | 2,140 sqft Gross Area |
| 1st Floor | 1,684 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 7,405 sqft (0.17 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 438 sqft Garage |
| Patio Area | 384 sqft Patio |
| Porch Area | 18 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3509 CAYUGAS LOOP |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7826 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | MALLARD POND PH 4B PB 23 PG 1-4 LOT 527 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 27 |
| Legal Subdivision | MALLARD POND PH 4B |
| Legal Phase | 4B |
| Legal Tract | 180 |
| Legal Block | 5270 |
| Legal Lot Number | 527 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2007 |
| Census Tract | 43207 |
Source: Osceola County records · APN 27-26-30-0180-0001-5270
Assessment roll updated November 26, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3509 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 02, 2026 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Feb 24, 2021 | Deed of Trust, Mortgage · Veterans Administration Mortgage FREEDOM MORTGAGE CORP |
| Apr 03, 2018 | Quit Claim Deed, Transfer · Veterans Administration Mortgage NORTH AMERICAN SAVINGS BANK FSB |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 09, 2015 · Amount on Record |
| Deed Sale | Jan 09, 2015 · Amount on Record |
| Deed Doc Number | 20154154 |
| Deed Book / Page | 4719 / 2740 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 02, 2026 |
| Property Address | 3509 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Document Number | 0000071236 |
| Book / Page | 6979 / 2957 |
| Instrument Date | May 14, 2026 |
| Instrument | 202671236 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 3509 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Document Number | 0000071236, |
|---|---|
| Date | Jun 02, 2026 |
| Book Page | 6979/2957 |
| Instrument | 202671236 |
| Name | REGIONS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 08, 2056 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3509 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 3509 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Document Number | 0058972260 |
|---|---|
| Date | Feb 24, 2021 |
| Book Page | 5897/2260 |
| Instrument | 2021026930 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 03, 2018 |
| Property Address | 3509 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Document Number | 0053100715 |
| Book / Page | 5310 / 0715 |
| Map Reference | MB23 PG1 |
| Instrument Date | Mar 22, 2018 |
| Instrument | 2018051641 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | TRANSTAR NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 3509 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Document Number | 2018051642 |
|---|---|
| Date | Apr 03, 2018 |
| Instrument | 2018051642 |
| Name | NORTH AMERICAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2048 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4.00 Homeowner's exemption Veteran's exemption | $197,862 (+5.99%) | $306,700 (+5.21%) Land $70,000 Building $236,700 |
| 2023 | $4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $186,686 (+3%) | $291,500 (+14.9%) Land $60,000 Building $231,500 |
| 2022 | $4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $181,249 | $253,700 Land $55,000 Building $198,700 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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