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3531 Cayugas Loop, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3531 Cayugas Loop, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 2015
Square Footage1,820 sqft Heated Area
Lot Size9,583 sqft (0.219 acres)
OccupancyOwner Occupied
Last Sale$216,484 (2015)
Tax Bill$4.00 (2025)

Property Details

APN / Parcel Number

Primary APN272630018000015310

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area1,820 sqft Heated Area
Gross Area2,300 sqft Gross Area
1st Floor1,820 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2015
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area9,583 sqft (0.219 acres)
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area440 sqft Garage

Exterior Amenities

FenceFence
Patio Area32 sqft Patio
PorchOpen Porch
Porch Area40 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address3531 CAYUGAS LOOP
CitySAINT CLOUD
StateFL
Zip34772-7826
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionMALLARD POND PH 4B PB 23 PG 1-4 LOT 531
Legal Range30E
Legal Township26S
Legal Section27
Legal SubdivisionMALLARD POND PHASE 1 - 3
Legal Phase4B
Legal Tract180
Legal Block1
Legal Lot Number531
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2007
Census Tract43207

Owner

Source: Osceola County records · APN 272630018000015310

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 Record2 Individual Names on File
Mailing Address3531 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jan 25, 2024Deed of Trust, Mortgage · Veterans Administration Mortgage
LAKEVIEW COMMUNITY CAPITAL LLC
Dec 20, 2022Deed of Trust, Mortgage · Veterans Administration Mortgage
USAA FSB
Dec 22, 2017Deed of Trust, Mortgage · Veterans Administration Mortgage
AMERICAN FINANCIAL NETWORK INC
Dec 29, 2017Deed of Trust, Mortgage · Veterans Administration Mortgage
AMERICAN FINANCIAL NETWORK INC
Jan 14, 2021Deed of Trust, Mortgage · Veterans Administration Mortgage
FREEDOM MORTGAGE CORP
Aug 19, 2020Deed of Trust, Mortgage · Veterans Administration Mortgage
USAA FSB

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 13, 2015 · Amount on Record
Deed SaleJul 13, 2015 · Amount on Record
Deed Doc Number2015099062
Deed Book / Page4807 / 2141
Record RefreshedJun 08, 2026

January 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3531 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826
Transaction TypeMortgage
Record UpdatedFeb 06, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address3531 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826

Mortgage

Document Number0065392219
DateJan 25, 2024
Book Page6539/2219
Instrument2024010611
Lender
NameLAKEVIEW COMMUNITY CAPITAL LLC
TypeMortgage Company
AddressHORSHAM, PA 19044
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2054

December 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3531 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826
Transaction TypeMortgage
Record UpdatedJan 11, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0063320854
DateDec 20, 2022
Book Page6332/854
Instrument2022181499
Lender
NameUSAA FSB
TypeBank
AddressSAN ANTONIO, TX 78288
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2053

December 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3531 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826
Transaction TypeMortgage
Record UpdatedAug 01, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0052582257
DateDec 22, 2017
Book Page5258/2257
Instrument2017182417
Lender
NameAMERICAN FINANCIAL NETWORK INC
TypeFunding / Finance Company
AddressBREA, CA 92821
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2048
Interest
Rate TypeAdjustable Rate

December 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3531 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826
Transaction TypeMortgage
Record UpdatedAug 01, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0052611747
DateDec 29, 2017
Book Page5261/1747
Instrument2017185389
Lender
NameAMERICAN FINANCIAL NETWORK INC
TypeFunding / Finance Company
AddressBREA, CA 92821
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2048

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3531 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826
Transaction TypeMortgage
Record UpdatedAug 01, 2022
Title CompanyINSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address3531 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826

Mortgage

Document Number0058710449
DateJan 14, 2021
Book Page5871/449
Instrument2021006655
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term353 Months
DueJun 01, 2050

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3531 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826
Transaction TypeMortgage
Record UpdatedAug 01, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0057770053
DateAug 19, 2020
Book Page5777/53
Instrument2020109322
Lender
NameUSAA FSB
TypeBank
AddressSAN ANTONIO, TX 78288
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term357 Months
DueMay 01, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$211,488 (+5.99%)$322,200 (+4.81%) Land $70,000 Building $252,200
2023$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$199,542 (+3%)$307,400 (+14.83%) Land $60,000 Building $247,400
2022$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$193,731$267,700 Land $55,000 Building $212,700

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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