Osceola County property record for 3538 Saxony Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,684 sqft · built 2016 |
| Lot Size | 0.189 acres (8,276 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $98,500 (Apr 2022) |
| Tax Bill | $2,930 (2025) |
| Deeds & Mortgages | May 2022 Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 272630018000015610 |
| Primary APN | 272630018000015610 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,684 sqft Heated Area |
| Gross Area | 2,140 sqft |
| 1st Floor Area | 1,684 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,276 sqft (0.189 acres) |
| Garage Type | Finished |
| Garage Area | 438 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 18 sqft |
| Patio Area | 30 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3538 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 561 |
| 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 | 561 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 43207 |
Source: Osceola County records, as of December 11, 2025
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3538 SAXONY LN, SAINT CLOUD, FL 34772-8600 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 25, 2022 · Amount on Record |
| Deed Sale | Apr 25, 2022 · Amount on Record |
| Deed Document Number | 0006212272 |
| Deed Book / Page | 5021 / 2762 |
| Prior Transfer Date | Sep 9, 2016 |
| Prior Transfer Doc | 2016137485 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3538 SAXONY LN, SAINT CLOUD, FL 34772-8600 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3538 SAXONY LN, SAINT CLOUD, FL 34772-8600 |
| Document Number | 0062120273 |
|---|---|
| Date | May 11, 2022 |
| Book Page | 6212/273 |
| Instrument | 2022074779 |
| Name | EQUITY PRIME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30328 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2052 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,930.00 (+6.51%) Homeowner's exemption | $206,573 (+5.99%) | $311,500 (+4.99%) Land $70,000 Building $241,500 |
| 2023 | $2,751.00 (+5.81%) Homeowner's exemption | $194,905 (+4.56%) | $296,700 (+16.22%) Land $60,000 Building $236,700 |
| 2022 | $2,600.00 Homeowner's exemption | $186,413 | $255,300 Land $55,000 Building $200,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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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