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3520 Saxony Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3520 Saxony Ln, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,518 sqft · built 2014
Lot Size0.291 acres (12,675 sqft)
OwnerIndividual Name on Record
Last Sale$435,000 (Apr 2025)
Tax Bill$4,954 (2025)
Deeds & MortgagesJan 2022 Mortgage
Flood ZoneZone A (high risk)
APN27-26-30-0565-0001-2950

Property Details

APN / Parcel Number

Primary APN27-26-30-0565-0001-2950
Alternative APNs
  • 263027056500012950
  • 162301

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,518 sqft Living Area
Gross Area3,115 sqft
1st Floor Area2,518 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2014
Effective Year BuiltEffective 2014
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area12,675 sqft (0.291 acres)
Garage TypeAttached
Garage Area436 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area161 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3520 SAXONY LN
CitySAINT CLOUD
StateFL
Zip34772-8600
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR1B
Legal DescriptionMALLARD POND PH 3 PB 20 PGS 151-158 LOT 295
Legal Range30E
Legal Township26S
Legal Section27
Legal SubdivisionMALLARD POND PH 3
Legal Phase3
Legal Tract565
Legal Block2950
Legal Lot Number295
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2000
Census Tract43207

Owner

Source: Osceola County records, as of February 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address3520 SAXONY LN, SAINT CLOUD, FL 34772-8600
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants in Common

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 16, 2025 · Amount on Record
Deed SaleApr 16, 2025 · Amount on Record
Prior SaleDec 18, 2014 · Amount on Record
Deed Document Number202548421
Deed Book / Page6772 / 1904
Prior Transfer DateJul 2, 2020
Prior Transfer Doc0061282998
Record UpdatedJun 8, 2026

January 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateJan 13, 2022
Property Address3520 SAXONY LN, SAINT CLOUD, FL 34772-8600
Document Number0061282998
Book / Page6128 / 2998
Map ReferenceMB 20 PG 151
Instrument DateJul 2, 2020
Instrument2022007424
Transaction TypeTransfer
Record UpdatedAug 1, 2022
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3520 SAXONY LN, SAINT CLOUD, FL 34772-8600

Mortgage

Document Number0061283003
DateJan 13, 2022
Instrument6128/3003
Lender
NameJPMORGAN CHASE BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term163 Months
DueAug 1, 2035

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,954.00 (+3.49%)$324,655 (+5.99%)$391,700 (+4.62%) Land $70,000 Building $321,700
2024$4,787.00 (+2.57%)
2023$4,667.00 (+18.97%) Homeowner's exemption Widower's exemption$306,317 (+10.23%)$374,400 (+15.38%) Land $60,000 Building $314,400
2022$3,923.00 Homeowner's exemption Widower's exemption$277,898$324,500 Land $55,000 Building $269,500

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone A
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationNot determined for this zone
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 66 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies66 in force
Nearby Flood Claims2 (2017–2024)
Claims Outside the SFHA1 of 2
Most Recent ClaimOct 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

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

Wildfire RiskModerate
above 69% of the US · above 49% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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