Osceola County property record for 3540 Cayugas Loop, Saint Cloud, FL 34772 · Last verified May 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3.5 Baths |
| Year Built | Built 2016 |
| Square Footage | 2,544 sqft Living Area |
| Lot Size | 9,583 sqft (0.22 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $261,253 (2016) |
| Tax Bill | $6,348.00 (2024) |
| Primary APN | 27-26-30-0180-0001-5060 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,544 sqft Living Area |
| Gross Area | 3,047 sqft Gross Area |
| 1st Floor | 1,210 sqft 1st Floor |
| Upper Floors | 1,334 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Conventional Style |
| Exterior Material | Combination Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 9,583 sqft (0.22 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 468 sqft Garage |
| Patio Area | 40 sqft Patio |
| Porch Area | 35 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3540 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 506 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 27 |
| Legal Subdivision | MALLARD POND PH 4B |
| Legal Phase | 4B |
| Legal Tract | 180 |
| Legal Block | 5060 |
| Legal Lot Number | 506 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2000 |
| Census Tract | 43207 |
Source: Osceola County records · APN 27-26-30-0180-0001-5060
Assessment roll updated November 26, 2025 · Last verified May 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 | 3540 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 29, 2026 | Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE |
| Feb 22, 2021 | Deed of Trust, Mortgage · Veterans Administration Mortgage FREEDOM MORTGAGE CORP |
| Jun 09, 2020 | Deed of Trust, Mortgage · Veterans Administration Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 07, 2016 · Amount on Record |
| Deed Sale | Jul 07, 2016 · Amount on Record |
| Prior Sale | Jun 01, 2016 · Amount on Record |
| Deed Doc Number | 2016103105 |
| Deed Book / Page | 4988 / 815 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 29, 2026 |
| Property Address | 3540 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Document Number | 0000056636 |
| Book / Page | 6963 / 842 |
| Instrument Date | Apr 24, 2026 |
| Instrument | 202656636 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TEAM TITLE SERVICES, AMT TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Address | 3540 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Document Number | 0000056636, |
|---|---|
| Date | Apr 29, 2026 |
| Book Page | 6963/842 |
| Instrument | 202656636 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3540 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0058950686 |
|---|---|
| Date | Feb 22, 2021 |
| Book Page | 5895/686 |
| Instrument | 2021024753 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 313 Months |
| Due | Mar 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3540 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0057341871 |
|---|---|
| Date | Jun 09, 2020 |
| Book Page | 5734/1871 |
| Instrument | 2020073799 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 320 Months |
| Due | Feb 01, 2047 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified May 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 | $6,481.00 (+2.1%) Homeowner's exemption | $255,435 (+5.99%) | $379,900 (+4.57%) Land $70,000 Building $309,900 |
| 2024 | $6,348.00 (+1.44%) | ||
| 2023 | $6,258.00 (+2.09%) Homeowner's exemption | $241,007 (+3%) | $363,300 (+15.3%) Land $60,000 Building $303,300 |
| 2022 | $6,130.00 Homeowner's exemption | $233,988 | $315,100 Land $55,000 Building $260,100 |
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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