Osceola County property record for 3522 Cayugas Loop, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2015 |
| Square Footage | 3,256 sqft Heated Area |
| Lot Size | 7,841 sqft (0.18 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $280,509 (2015) |
| Tax Bill | $4,688.00 (2025) |
| Primary APN | 272630018000015150 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 3,256 sqft Heated Area |
| Gross Area | 4,010 sqft Gross Area |
| 1st Floor | 1,446 sqft 1st Floor |
| Upper Floors | 1,810 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2015 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 7,841 sqft (0.18 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 478 sqft Garage |
| Fence | Fence |
| Porch | Open Porch |
| Porch Area | 276 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3522 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 515 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 27 |
| Legal Subdivision | MALLARD POND PHASE 1 - 3 |
| Legal Phase | 4B |
| Legal Tract | 180 |
| Legal Block | 1 |
| Legal Lot Number | 515 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2000 |
| Census Tract | 43207 |
Source: Osceola County records · APN 272630018000015150
Assessment roll updated July 1, 2025 · Last verified December 2025
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3522 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 19, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ZILLOW HOME LOANS LLC |
| Sep 07, 2018 | Deed of Trust, Mortgage · Conventional Mortgage AMERIHOME MMORTGAGE CO LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 27, 2015 · Amount on Record |
| Deed Sale | Oct 27, 2015 · Amount on Record |
| Deed Doc Number | 2015160682 |
| Deed Book / Page | 4862 / 2315 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3522 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Transaction Type | Mortgage |
| Record Updated | Feb 02, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3522 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Document Number | 0061320688 |
|---|---|
| Date | Jan 19, 2022 |
| Book Page | 6132/688 |
| Instrument | 2022009996 |
| Name | ZILLOW HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | LEAWOOD, KS 66211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 01, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3522 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0053972288 |
|---|---|
| Date | Sep 07, 2018 |
| Book Page | 5397/2288 |
| Instrument | 2018135298 |
| Name | AMERIHOME MMORTGAGE CO LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | THOUSAND OAKS, CA 91362 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2048 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $4,688.00 (+6.06%) Homeowner's exemption | $304,836 (+5.99%) | $400,900 (-3.51%) Land $70,000 Building $330,900 |
| 2023 | $4,420.00 (+3.44%) Homeowner's exemption | $287,617 (+3%) | $415,500 (+15.45%) Land $60,000 Building $355,500 |
| 2022 | $4,273.00 Homeowner's exemption | $279,240 | $359,900 Land $55,000 Building $304,900 |
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 |
| 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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