Osceola County property record for 3521 Buckingham Way, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,520 sqft · built 2014 |
| Lot Size | 0.439 acres (19,122 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $450,000 (Jan 2021) |
| Tax Bill | $1,934 (2025) |
| Deeds & Mortgages | Jul 2022 Mortgage Jan 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-26-30-0700-0001-0460 |
| Primary APN | 15-26-30-0700-0001-0460 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 3,520 sqft Living Area |
| Gross Area | 4,299 sqft |
| 1st Floor Area | 2,384 sqft |
| Upper Floors Area | 1,136 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 19,122 sqft (0.439 acres) |
| Garage Type | Attached |
| Garage Area | 496 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 283 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 3521 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 46 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 15 |
| Legal Subdivision | STEVENS PLANTATION |
| Legal Tract | 700 |
| Legal Block | 460 |
| Legal Lot Number | 46 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 43208 |
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 3521 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8749 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 27, 2022 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 25, 2021 | Warranty Deed, Transfer · VA Mortgage NORTHPOINT MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 25, 2021 · Amount on File |
| Deed Sale | Jan 25, 2021 · Amount on File |
| Prior Sale | Mar 6, 2014 · Amount on File |
| Deed Document Number | 202111084 |
| Deed Book / Page | 5877 / 343 |
| Prior Transfer Date | Jul 31, 2012 |
| Prior Transfer Doc | 0043050775 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3521 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8749 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Title Company | MADISON STLMT SVCS PITTSBURG |
| Name | Verified Name |
|---|---|
| Address | 3521 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8749 |
| Document Number | 0062582568 |
|---|---|
| Date | Jul 27, 2022 |
| Book Page | 6258/2568 |
| Instrument | 2022115507 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 25, 2021 |
| Property Address | 3521 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8749 |
| Document Number | 0058770343 |
| Book / Page | 5877 / 343 |
| Map Reference | MB 16 PG 34-41 |
| Instrument Date | Jan 21, 2021 |
| Instrument | 2021011084 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2022 |
| Title Company | CORE TITLE SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,150.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1627 E VINE ST, 1627, KISSIMMEE, FL 34744-3704 |
| Name | Verified Name |
|---|---|
| Address | 3521 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8749 |
| Document Number | 0005877345 |
|---|---|
| Date | Jan 25, 2021 |
| Instrument | 5877/345 |
| Name | NORTHPOINT MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
Source: Osceola County assessment roll, as of November 26, 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 | $1,934.00 Homeowner's exemption Veteran's exemption | $483,498 (+5.99%) | $542,100 (+11.31%) Land $100,000 Building $442,100 |
| 2024 | $1,934.00 (-78.9%) | ||
| 2023 | $9,165.00 (+4.3%) Homeowner's exemption | $456,187 (+3%) | $487,000 (+9.96%) Land $80,000 Building $407,000 |
| 2022 | $8,787.00 Homeowner's exemption | $442,900 Land $78,000 Building $364,900 | $442,900 Land $78,000 Building $364,900 |
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 File 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 | Moderate above 60% of the US · lower than 66% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
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 192 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: CenturyLink, Xfinity.
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