Osceola County property record for 3528 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 2016 |
| Square Footage | 3,256 sqft Heated Area |
| Lot Size | 9,583 sqft (0.219 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $288,809 (2016) |
| Tax Bill | $4,753.00 (2025) |
| Primary APN | 272630018000015120 |
|---|
| 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 2016 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 9,583 sqft (0.219 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 478 sqft Garage |
| Patio Area | 532 sqft Patio |
| Porch | Open Porch |
| Porch Area | 276 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3528 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 512 |
| 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 | 512 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2000 |
| Census Tract | 43207 |
Source: Osceola County records · APN 272630018000015120
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 | 3528 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 01, 2023 | Deed of Trust, Mortgage · Stand Alone Second Mortgage NAVY FCU |
| Jun 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 03, 2016 · Amount on Record |
| Deed Sale | May 03, 2016 · Amount on Record |
| Deed Doc Number | 2016066375 |
| Deed Book / Page | 4953 / 1660 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3528 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3528 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Document Number | 0064171394 |
|---|---|
| Date | Jun 01, 2023 |
| Book Page | 6417/1394 |
| Instrument | 2023070596 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | MC LEAN, VA 22108 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 01, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3528 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3528 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Document Number | 0059892316 |
|---|---|
| Date | Jun 25, 2021 |
| Book Page | 5989/2316 |
| Instrument | 2021100057 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2051 |
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 | $4,753.00 (+7.46%) Homeowner's exemption | $308,430 (+7.18%) | $405,200 (-2.69%) Land $70,000 Building $335,200 |
| 2023 | $4,423.00 (+3.46%) Homeowner's exemption | $287,763 (+3%) | $416,400 (+15.6%) Land $60,000 Building $356,400 |
| 2022 | $4,275.00 Homeowner's exemption | $279,382 | $360,200 Land $55,000 Building $305,200 |
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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