Osceola County property record for 3544 Cayugas Loop, Saint Cloud, FL 34772 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2016 |
| Square Footage | 2,518 sqft Living Area |
| Lot Size | 10,454 sqft (0.24 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $266,279 (2016) |
| Tax Bill | $3,869.00 (2025) |
| Primary APN | 27-26-30-0180-0001-5040 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,518 sqft Living Area |
| Gross Area | 3,115 sqft Gross Area |
| 1st Floor | 2,518 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 10,454 sqft (0.24 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 436 sqft Garage |
| Porch Area | 161 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3544 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 504 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 27 |
| Legal Subdivision | MALLARD POND PH 4B |
| Legal Phase | 4B |
| Legal Tract | 180 |
| Legal Block | 5040 |
| Legal Lot Number | 504 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2000 |
| Census Tract | 43207 |
Source: Osceola County records · APN 27-26-30-0180-0001-5040
Assessment roll updated November 26, 2025 · Last verified August 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 | 3544 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 17, 2024 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Oct 14, 2020 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Aug 20, 2020 | Loan Modification, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MTG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 22, 2016 · Amount on Record |
| Deed Sale | Jul 22, 2016 · Amount on Record |
| Deed Doc Number | 2016112877 |
| Deed Book / Page | 4998 / 281 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3544 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3544 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Document Number | 0065840349 |
|---|---|
| Date | Apr 17, 2024 |
| Book Page | 6584/349 |
| Instrument | 2024049369 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | 951 W YAMATO RD, BOCA RATON, FL 33431 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | May 01, 2064 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3544 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3544 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Document Number | 0058121294 |
|---|---|
| Date | Oct 14, 2020 |
| Book Page | 5812/1294 |
| Instrument | 2020138782 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | 42010 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 01, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3544 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Document Number | 0058121287 |
| Instrument Date | Aug 20, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 3544 CAYUGAS LOOP ST CLOUD FL 347727826, ST CLOUD, FL 34772-7826 |
| Document Number | 0058121287 |
|---|---|
| Date | Oct 14, 2020 |
| Book Page | 005812/001287 |
| Instrument | 138781 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | FISHERS, IN 46037 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 13, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.5% |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 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 | $3,869.00 (+6.2%) Homeowner's exemption | $259,078 (+5.99%) | $395,000 (+4.5%) Land $70,000 Building $325,000 |
| 2023 | $3,643.00 (+3.58%) Homeowner's exemption | $244,444 (+3%) | $378,000 (+15.49%) Land $60,000 Building $318,000 |
| 2022 | $3,517.00 Homeowner's exemption | $237,325 | $327,300 Land $55,000 Building $272,300 |
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures