3535 Cayugas Loop, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3535 Cayugas Loop, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2 Baths
Year Built	Built 2014
Square Footage	1,820 sqft Heated Area
Lot Size	7,405 sqft (0.169 acres)
Occupancy	Owner Occupied
Last Sale	$385,000 (2023)
Tax Bill	$4,917.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`272630018000015330`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,820 sqft Heated Area
Gross Area	2,260 sqft Gross Area
1st Floor	1,820 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2014
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	7,405 sqft (0.169 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	400 sqft Garage

Exterior Amenities

Fence	Fence
Patio Area	32 sqft Patio
Porch	Open Porch
Porch Area	40 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	3535 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 533
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	533
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	2
Census Block	2007
Census Tract	43207

Owner

Source: Osceola County records · APN 272630018000015330

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	3535 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2023	Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage UNITED WHOLESALE MORTGAGE
Sep 21, 2022	Warranty Deed, Transfer
Oct 22, 2020	Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 15, 2023 · Amount on Record
Deed Sale	Feb 15, 2023 · Amount on Record
Prior Sale	Sep 21, 2022 · Amount on Record
Deed Doc Number	2023018726
Deed Book / Page	6358 / 2441
Record Refreshed	Jun 08, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 15, 2023
Property Address	3535 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826
Document Number	0063582441
Book / Page	6358 / 2441
Map Reference	MB 23 PG 1-4
Instrument Date	Feb 13, 2023
Instrument	2023018726
Transaction Type	Transfer
Record Updated	Mar 07, 2023
Title Company	MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,695.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2724 PINE SAP LN, SAINT CLOUD, FL 34771-8946

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3535 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826

Mortgage

Document Number	0063582443
Date	Feb 15, 2023
Instrument	6358/2443

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2053

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 21, 2022
Property Address	3535 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826
Document Number	0062891623
Book / Page	6289 / 1623
Map Reference	MB 23 PG 1
Instrument Date	Sep 09, 2022
Instrument	2022143099
Transaction Type	Transfer
Record Updated	Oct 05, 2022

Transaction

Amount	Amount Recorded
Tax	$1,178.10
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2724 PINE SAP LN, 2724, SAINT CLOUD, FL 34771-8946

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3535 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3535 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3535 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826

Mortgage

Document Number	0058171142
Date	Oct 22, 2020
Book Page	5817/1142
Instrument	2020142717

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2050

Tax Assessment & Valuation

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

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	$4,917.00 (-9.71%) Homeowner's exemption	$317,600 (+5.1%) Land $70,000 Building $247,600	$317,600 (+5.1%) Land $70,000 Building $247,600
2023	$5,446.00 (+33.15%)	$302,200 (+19.45%) Land $60,000 Building $242,200	$302,200 (+19.45%) Land $60,000 Building $242,200
2022	$4,090.00	$253,000 Land $55,000 Building $198,000	$253,000 Land $55,000 Building $198,000

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 Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

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.

3535 Cayugas Loop, Saint Cloud, FL 34772 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

February 2023: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

October 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Nearby Properties on Cayugas Loop

Nearby Streets

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