3511 Saxony Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3511 Saxony Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,820 sqft · built 2013
Lot Size	0.18 acres (7,840 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Dec 2013)
Tax Bill	$3,267 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-26-30-0565-0001-4290`

Property Details

APN / Parcel Number

Primary APN	`27-26-30-0565-0001-4290`
Alternative APNs	`263027056500014290` `162330`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,820 sqft Living Area
Gross Area	2,562 sqft
1st Floor Area	1,820 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,840 sqft (0.18 acres)
Garage Type	Attached
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	364 sqft
Porch	Finished/Open Porch
Porch Area	92 sqft
Deck Area	1,253 sqft
Patio Area	450 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3511 SAXONY LN
City	SAINT CLOUD
State	FL
Zip	34772-7837
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	MALLARD POND PH 3 PB 20 PGS 151-158 LOT 429
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	MALLARD POND PH 3
Legal Phase	3
Legal Tract	565
Legal Block	4290
Legal Lot Number	429
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2002
Census Tract	43207

Owner

3511 Saxony Ln is owned and occupied by an individual who acquired it in March 2022.

Source: Osceola County records, as of November 26, 2025

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

Owner of Record	Individual Name on File
Mailing Address	3511 SAXONY LN, SAINT CLOUD, FL 34772-7837
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2017	Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK
Mar 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHRISTENSEN FINANCIAL INC
Mar 30, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 4, 2013 · Amount on File
Deed Sale	Dec 4, 2013 · Amount on File
Prior Sale	May 3, 2013 · Amount on File
Deed Document Number	2013188327
Deed Book / Page	4539 / 2535
Last Transfer Date	Mar 28, 2022
Transfer Doc	0061821786
Record Updated	Jun 8, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3511 SAXONY LN, SAINT CLOUD, FL 34772-7837
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052610444
Date	Dec 29, 2017
Book Page	5261/0444
Instrument	2017184949

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 15, 2032

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3511 SAXONY LN, SAINT CLOUD, FL 34772-7837
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056940137
Date	Mar 17, 2020
Book Page	5694/137
Instrument	2020038535

Lender

Name	CHRISTENSEN FINANCIAL INC
Type	Funding / Finance Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Mar 30, 2022
Property Address	3511 SAXONY LN, SAINT CLOUD, FL 34772-7837
Document Number	0061821786
Book / Page	6182 / 1786
Map Reference	MB 20 PG 151
Instrument Date	Mar 28, 2022
Instrument	2022050285
Transaction Type	Transfer
Record Updated	Aug 1, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3511 SAXONY LN, SAINT CLOUD, FL 34772-7837

Tax Assessment & Valuation

The 2025 property tax bill for 3511 Saxony Ln was $3,267 with a homeowner's exemption, up 3.5% from the year before.

Source: Osceola County assessment roll, as of November 26, 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	$3,267.00 (+3.55%) Homeowner's exemption	$225,419	$351,300 Land $70,000 Building $281,300
2024	$3,155.00 (+2.74%)
2023	$3,071.00 (-11.6%)	$333,800 (+33.36%) Land $60,000 Building $273,800	$333,800 (+13.5%) Land $60,000 Building $273,800
2022	$3,474.00 Homeowner's exemption	$250,297	$294,100 Land $55,000 Building $239,100

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

Flood

FEMA maps place 3511 Saxony Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 66 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	66 in force
Nearby Flood Claims	2 (2017–2024)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Oct 2024 · Hurricane Milton

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 3511 Saxony Ln is moderate, ranking above 69% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 69% of the US · above 49% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	2,000 / 1,000
Spectrum Cable	1,000 / 50

May also be available: AT&T, Xfinity.

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