3526 Saxony Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3526 Saxony Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,518 sqft · built 2015
Lot Size	0.21 acres (9,191 sqft)
Owner	Individual Name on Record
Tax Bill	$4 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Apr 2023 Mortgage + 2 more
Flood Zone	Zone A (high risk)
APN	`162304`

Property Details

APN / Parcel Number

Primary APN	`162304`
Alternative APN	`272630056500012980`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,518 sqft Heated Area
Gross Area	3,244 sqft
1st Floor Area	2,518 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,191 sqft (0.21 acres)
Garage Type	Finished
Garage Area	436 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	290 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	162304
Street Address	3526 SAXONY LN
City	SAINT CLOUD
State	FL
Zip	34772-8600
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 298
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	MALLARD POND PHASE 1 - 3
Legal Phase	3
Legal Tract	565
Legal Block	1
Legal Lot Number	298
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2000
Census Tract	43207

Owner

Source: Osceola County records, as of December 11, 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 Record
Mailing Address	3526 SAXONY LN, SAINT CLOUD, FL 34772-8600
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2023	Deed of Trust, Mortgage · VA Mortgage RAPID MORTGAGE FUNDING INC
Apr 14, 2023	Deed of Trust, Mortgage · VA Mortgage RAPID MORTGAGE FUNDING INC
Feb 24, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
May 21, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2016
Deed Sale	Jul 13, 2016
Prior Sale	May 21, 2014 · Amount on Record
Deed Document Number	0063882257
Deed Book / Page	4816 / 2204
Prior Transfer Date	Jul 28, 2015
Prior Transfer Doc	2015110575
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3526 SAXONY LN, SAINT CLOUD, FL 34772-8600
Transaction Type	Mortgage
Record Updated	Aug 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3526 SAXONY LN, SAINT CLOUD, FL 34772-8600

Mortgage

Document Number	0064541508
Date	Aug 9, 2023
Book Page	6454/1508
Instrument	2023103298

Lender

Name	RAPID MORTGAGE FUNDING INC
Type	Mortgage Company
Address	FARMINGTON, MI 48334

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3526 SAXONY LN, SAINT CLOUD, FL 34772-8600
Transaction Type	Mortgage
Record Updated	May 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3526 SAXONY LN, SAINT CLOUD, FL 34772-8600
Investor	Possibly a Property Investor

Mortgage

Document Number	0063882260
Date	Apr 14, 2023
Book Page	6388/2260
Instrument	2023044183

Lender

Name	RAPID MORTGAGE FUNDING INC
Type	Mortgage Company
Address	FARMINGTON, MI 48334

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Dec 1, 2052

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3526 SAXONY LN, SAINT CLOUD, FL 34772-8600
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056790175
Date	Feb 24, 2020
Book Page	5679/175
Instrument	2020026299

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3526 SAXONY LN, SAINT CLOUD, FL 34772-8600
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3526 SAXONY LN, SAINT CLOUD, FL 34772-8600

Mortgage

Document Number	0059630899
Date	May 21, 2021
Book Page	5963/899
Instrument	2021078545

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$249,114 (+5.99%)	$402,100 (+4.47%) Land $70,000 Building $332,100
2023	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$235,043 (+3%)	$384,900 (+15.48%) Land $60,000 Building $324,900
2022	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$228,198	$333,300 Land $55,000 Building $278,300

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 Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Moderate above 46% of the US · lower than 82% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond ember reach

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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