3534 Saxony Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3534 Saxony Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,406 sqft · built 2015
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$112,800 (Feb 2020)
Tax Bill	$5,851 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Feb 2020 Line of Credit + 1 more
Flood Zone	Zone A (high risk)
APN	`27-26-30-0180-0001-5630`

Property Details

APN / Parcel Number

Primary APN	`27-26-30-0180-0001-5630`
Alternative APN	`263027018000015630`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,406 sqft Living Area
Gross Area	2,929 sqft
1st Floor Area	1,091 sqft
Upper Floors Area	1,315 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Conventional
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	454 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	69 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3534 SAXONY LN
City	SAINT CLOUD
State	FL
Zip	34772-8600
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MALLARD POND PH 4B PB 23 PG 1-4 LOT 563
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	MALLARD POND PH 4B
Legal Phase	4B
Legal Tract	180
Legal Block	1
Legal Lot Number	563
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 January 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3534 SAXONY LN, SAINT CLOUD, FL 34772-8600
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 7, 2020	Deed of Trust, Mortgage · Line of Credit ALIANT CU
Feb 5, 2020	Quit Claim Deed, Transfer · FHA Mortgage MICHIGAN MUTUAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2020 · Amount on Record
Deed Sale	Feb 5, 2020 · Amount on Record
Prior Sale	Oct 27, 2015 · Amount on Record
Deed Document Number	202018316
Deed Book / Page	5669 / 2988
Prior Transfer Date	Nov 5, 2019
Prior Transfer Doc	0056692988
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 9, 2022
Property Address	3534 SAXONY LN, SAINT CLOUD, FL 34772-8600
Document Number	0061671362
Book / Page	6167 / 1362
Map Reference	MB 23 PG 1
Instrument Date	Mar 2, 2022
Instrument	2022037916
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	ALOMA TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,590.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6132 BASS HWY, 6132, SAINT CLOUD, FL 34771-8627

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3534 SAXONY LN, SAINT CLOUD, FL 34772-8600

Mortgage

Document Number	0061671364
Date	Mar 9, 2022
Instrument	6167/1364

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3534 SAXONY LN, SAINT CLOUD, FL 34772-8600
Document Number	0056732446
Instrument Date	Feb 7, 2020
Transaction Type	Mortgage
Record Updated	Mar 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3334 SAXONY LN ST CLOUD FL 34772, ST CLOUD, FL 34772

Mortgage

Document Number	0056732446
Date	Feb 12, 2020
Book Page	005673/002446
Instrument	21892

Lender

Name	ALIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 11, 2050

Interest

Rate Type	Adjustable Rate

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 5, 2020
Property Address	3534 SAXONY LN, SAINT CLOUD, FL 34772-8600
Document Number	0056692988
Book / Page	005669 / 002988
Instrument Date	Nov 5, 2019
Instrument	18316
Transaction Type	Transfer
Record Updated	Feb 24, 2020
Title Company	SUNSTATE SETTLEMENT INC

Transaction

Amount	Amount Recorded
Tax	$790.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3534 SAXONY LN ST CLOUD FL 347728600, ST CLOUD, FL 34772-8600

Mortgage

Document Number	56692990
Date	Feb 5, 2020
Book Page	005669/002990
Instrument	18317

Lender

Name	MICHIGAN MUTUAL
Type	Funding / Finance Company
Address	PORT HURON, MI 48060

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 4, 2050

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$5,851.00 (+1.81%) Homeowner's exemption	$369,800 (+4.55%) Land $70,000 Building $299,800	$369,800 (+4.55%) Land $70,000 Building $299,800
2024	$5,747.00 (+2.42%)
2023	$5,611.00 (+75.95%) Homeowner's exemption	$353,700 (+61.43%) Land $60,000 Building $293,700	$353,700 (+15.1%) Land $60,000 Building $293,700
2022	$3,189.00 Homeowner's exemption	$219,110	$307,300 Land $55,000 Building $252,300

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 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Nearby Properties on Saxony Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures