3540 Saxony Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3540 Saxony Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,518 sqft · built 2015
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$239,575 (May 2015)
Tax Bill	$3,778 (2025)
Deeds & Mortgages	Jul 2026 Sale Feb 2026 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`272630018000015600`

Property Details

APN / Parcel Number

Primary APN	`272630018000015600`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,518 sqft Heated Area
Gross Area	3,115 sqft
1st Floor Area	2,518 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Finished
Garage Area	436 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	161 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3540 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 560
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	560
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2000
Census Tract	43207

Owner

Source: Osceola County records, as of December 11, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	3540 SAXONY LN, SAINT CLOUD, FL 34772-8600
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Feb 12, 2026	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Apr 1, 2018	Loan Modification, Mortgage · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2015 · Amount on Record
Deed Sale	May 1, 2015 · Amount on Record
Deed Document Number	2015064004
Deed Book / Page	4773 / 1599
Record Updated	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 24, 2026
Property Address	3540 SAXONY LN, SAINT CLOUD, FL 34772-8600
Document Number	0000096642
Book / Page	7008 / 2527
Instrument Date	Jun 21, 2026
Instrument	202696642
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3540 SAXONY LN, SAINT CLOUD, FL 34772-8600

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3540 SAXONY LN, SAINT CLOUD, FL 34772-8600
Transaction Type	Mortgage
Record Updated	Mar 3, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3540 SAXONY LN, SAINT CLOUD, FL 34772-8600

Mortgage

Document Number	0069220956
Date	Feb 12, 2026
Book Page	6922/956
Instrument	2026020194

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	GREENVILLE, SC 29601

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	266 Months
Due	Apr 1, 2048

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	3540 SAXONY LN, SAINT CLOUD, FL 34772-8600
Document Number	0053292567
Instrument Date	Apr 1, 2018
Transaction Type	Mortgage
Record Updated	May 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3540 SAXONY LN ST CLOUD FL 347728600, ST CLOUD, FL 34772-8600

Mortgage

Document Number	0053292567
Date	May 8, 2018
Book Page	005329/002567
Instrument	72962

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	OKLAHOMA CITY, OK 73134

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 7, 2048

Interest

Rate	4%

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$3,778.00 (+6.24%) Homeowner's exemption	$253,988 (+5.99%)	$393,700 (+4.51%) Land $70,000 Building $323,700
2023	$3,556.00 (+3.58%) Homeowner's exemption	$239,641 (+3%)	$376,700 (+15.45%) Land $60,000 Building $316,700
2022	$3,433.00 Homeowner's exemption	$232,662	$326,300 Land $55,000 Building $271,300

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

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 52% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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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