3520 Cayugas Loop, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3520 Cayugas Loop, Saint Cloud, FL 34772 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2.5 Baths
Year Built	Built 2015
Square Footage	2,406 sqft Living Area
Lot Size	9,147 sqft (0.21 acres)
Occupancy	Owner Occupied
Last Sale	$241,500 (2016)
Tax Bill	$3,336.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`27-26-30-0180-0001-5160`
Alternative APN	`263027018000015160`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Building Area	2,406 sqft Living Area
Gross Area	2,929 sqft Gross Area
1st Floor	1,091 sqft 1st Floor
Upper Floors	1,315 sqft Upper Floors
Stories	2 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Conventional Style
Exterior Material	Combination Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	9,147 sqft (0.21 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	454 sqft Garage
Patio Area	48 sqft Patio
Porch Area	69 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	3520 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 516
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	MALLARD POND PH 4B
Legal Phase	4B
Legal Tract	180
Legal Block	5160
Legal Lot Number	516
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	2
Census Block	2000
Census Tract	43207

Owner

Source: Osceola County records · APN 27-26-30-0180-0001-5160

Assessment roll updated November 26, 2025 · Last verified April 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	3520 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 07, 2016 · Amount on Record
Deed Sale	Jan 07, 2016 · Amount on Record
Deed Doc Number	20162727
Deed Book / Page	4896 / 790
Last Transfer Date	Apr 23, 2021
Transfer Doc	0059440788
Record Refreshed	Jun 08, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Apr 26, 2021
Property Address	3520 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826
Document Number	0059440788
Book / Page	5944 / 788
Map Reference	MB 23 PG 1
Instrument Date	Apr 23, 2021
Instrument	2021063286
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	Zero or No Consideration Stated
Additional	Interfamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3520 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826

Mortgage

Document Number	5944792
Date	Apr 26, 2021
Instrument	5944/792

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Jan 01, 2051

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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

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	$3,454.00 (+3.54%) Homeowner's exemption	$235,898 (+5.99%)	$361,300 (+4.69%) Land $70,000 Building $291,300
2024	$3,336.00 (+2.68%)
2023	$3,249.00 (+3.64%) Homeowner's exemption	$222,573 (+3%)	$345,100 (+15.34%) Land $60,000 Building $285,100
2022	$3,135.00 Homeowner's exemption	$216,091	$299,200 Land $55,000 Building $244,200

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

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.