3537 Saxony Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3537 Saxony Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,820 sqft · built 2015
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$155,000 (Jun 2022)
Tax Bill	$2,996 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-26-30-0180-0001-5680`

Property Details

APN / Parcel Number

Primary APN	`27-26-30-0180-0001-5680`
Alternative APN	`263027018000015680`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,820 sqft Living Area
Gross Area	2,300 sqft
1st Floor Area	1,820 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Conventional
Exterior Material	Concrete Block/Stucco
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	40 sqft
Patio Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3537 SAXONY LN
City	SAINT CLOUD
State	FL
Zip	34772-7837
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MALLARD POND PH 4B PB 23 PG 1-4 LOT 568
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	MALLARD POND PH 4B
Legal Phase	4B
Legal Tract	180
Legal Block	5680
Legal Lot Number	568
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2005
Census Tract	43207

Owner

3537 Saxony Ln is owned and occupied by two individuals who bought it in June 2022.

Source: Osceola County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3537 SAXONY LN, SAINT CLOUD, FL 34772-7837
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2022	Quit Claim Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
May 18, 2021	· Conventional Mortgage PENNYMAC LOAN SERVICES LLC
May 25, 2018	Loan Modification, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2022 · Amount on File
Deed Sale	Jun 6, 2022 · Amount on File
Prior Sale	Jul 21, 2015 · Amount on File
Deed Document Number	202287971
Deed Book / Page	6227 / 1488
Prior Transfer Date	Apr 29, 2021
Prior Transfer Doc	0059601688
Record Updated	Oct 29, 2026

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 6, 2022
Property Address	3537 SAXONY LN, SAINT CLOUD, FL 34772-7837
Document Number	0062271488
Book / Page	6227 / 1488
Map Reference	MB 23 PG 1
Instrument Date	Jun 1, 2022
Instrument	2022087971
Transaction Type	Transfer
Record Updated	Jun 21, 2022
Title Company	NOT AVAILABLE, ROSEMONT TITLE INS AGCY LLC

Transaction

Amount	Amount on Record
Tax	$1,085.00
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3537 SAXONY LN, 3537, SAINT CLOUD, FL 34772-7837

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3537 SAXONY LN, SAINT CLOUD, FL 34772-7837

Mortgage

Document Number	0062271490
Date	Jun 6, 2022
Instrument	6227/1490

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

May 2021:

Jurisdiction	OSCEOLA FL
Recording Date	May 18, 2021
Property Address	3537 SAXONY LN, SAINT CLOUD, FL 34772-7837
Document Number	0059601688
Book / Page	5960 / 1688
Map Reference	MB 23 PG 1
Instrument Date	Apr 29, 2021
Instrument	2021076207
Record Updated	Jun 2, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3537 SAXONY LN, SAINT CLOUD, FL 34772-7837

Mortgage

Document Number	0059601692
Date	May 18, 2021
Book Page	5960/1692
Instrument	2021076208

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	3537 SAXONY LN, SAINT CLOUD, FL 34772-7837
Document Number	0053601737
Instrument Date	May 25, 2018
Transaction Type	Mortgage
Record Updated	Jul 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3537 SAXONY LN ST CLOUD FL 347727837, ST CLOUD, FL 34772-7837

Mortgage

Document Number	0053601737
Date	Jul 3, 2018
Book Page	005360/001737
Instrument	101640

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 2, 2048

Interest

Rate Type	Fixed Rate
Rate	4.25%

Tax Assessment & Valuation

The 2025 property tax bill for 3537 Saxony Ln was $2,996 with a homeowner's exemption, up 3.6% from the year before.

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	$2,996.00 (+3.6%) Homeowner's exemption	$210,275	$323,400 Land $70,000 Building $253,400
2024	$2,892.00 (+2.77%)
2023	$2,814.00 (+7.04%) Homeowner's exemption	$198,398 (+5.5%)	$308,500 (+16.9%) Land $60,000 Building $248,500
2022	$2,629.00 Homeowner's exemption	$188,057	$263,900 Land $55,000 Building $208,900

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

Flood

FEMA maps place 3537 Saxony Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 3537 Saxony Ln is moderate, ranking above 46% of the US, with a 0.1% annual chance of 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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