Osceola County property record for 3539 Cayugas Loop, Saint Cloud, FL 34772 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2015 |
| Square Footage | 1,820 sqft Living Area |
| Lot Size | 9,147 sqft (0.21 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $215,812 (2015) |
| Tax Bill | $3,016.00 (2025) |
| Primary APN | 27-26-30-0180-0001-5350 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,820 sqft Living Area |
| Gross Area | 2,420 sqft Gross Area |
| 1st Floor | 1,820 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 9,147 sqft (0.21 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 440 sqft Garage |
| Porch Area | 160 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3539 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 535 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 27 |
| Legal Subdivision | MALLARD POND PH 4B |
| Legal Phase | 4B |
| Legal Tract | 180 |
| Legal Block | 5350 |
| Legal Lot Number | 535 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2007 |
| Census Tract | 43207 |
Source: Osceola County records · APN 27-26-30-0180-0001-5350
Assessment roll updated November 26, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 3539 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 22, 2022 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| May 02, 2018 | Loan Modification, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI) PENNYMAC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 10, 2015 · Amount on Record |
| Deed Sale | Sep 10, 2015 · Amount on Record |
| Deed Doc Number | 2015135186 |
| Deed Book / Page | 4839 / 2795 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3539 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Transaction Type | Mortgage |
| Record Updated | May 05, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3539 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Document Number | 0061990953 |
|---|---|
| Date | Apr 22, 2022 |
| Book Page | 6199/953 |
| Instrument | 2022063861 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2052 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3539 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Document Number | 0053461156 |
| Instrument Date | May 02, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 27, 2018 |
| Name | Verified Name |
|---|---|
| Address | 3539 CAYUGAS LOOP ST CLOUD FL 347727826, ST CLOUD, FL 34772-7826 |
| Document Number | 0053461156 |
|---|---|
| Date | Jun 07, 2018 |
| Book Page | 005346/001156 |
| Instrument | 88279 |
| Name | PENNYMAC |
|---|---|
| Address | MOORPARK, CA 93021 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 06, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $3,016.00 (+6.5%) Homeowner's exemption | $211,376 (+5.99%) | $323,100 (+4.83%) Land $70,000 Building $253,100 |
| 2023 | $2,832.00 (+3.74%) Homeowner's exemption | $199,436 (+3%) | $308,200 (+14.87%) Land $60,000 Building $248,200 |
| 2022 | $2,730.00 Homeowner's exemption | $193,628 | $268,300 Land $55,000 Building $213,300 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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.
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