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3544 Saxony Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3544 Saxony Ln, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,518 sqft · built 2014
Lot Size0.27 acres (11,761 sqft)
OwnerIndividual Name on Record
Last Sale$248,011 (Dec 2014)
Tax Bill$3,573 (2025)
Deeds & MortgagesAug 2022 Mortgage
Flood ZoneZone A (high risk)
APN27-26-30-0180-0001-5580

Property Details

APN / Parcel Number

Primary APN27-26-30-0180-0001-5580
Alternative APN
  • 263027018000015580

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,518 sqft Living Area
Gross Area3,115 sqft
1st Floor Area2,518 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2014
Effective Year BuiltEffective 2014
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area11,761 sqft (0.27 acres)
Garage TypeAttached
Garage Area436 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area161 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3544 SAXONY LN
CitySAINT CLOUD
StateFL
Zip34772-8600
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionMALLARD POND PH 4B PB 23 PG 1-4 LOT 558
Legal Range30E
Legal Township26S
Legal Section27
Legal SubdivisionMALLARD POND PH 4B
Legal Phase4B
Legal Tract180
Legal Block5580
Legal Lot Number558
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2000
Census Tract43207

Owner

Source: Osceola County records, as of November 26, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address3544 SAXONY LN, SAINT CLOUD, FL 34772-8600
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Man

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 8, 2014 · Amount on Record
Deed SaleDec 8, 2014 · Amount on Record
Deed Document Number2014177924
Deed Book / Page4704 / 1970
Last Transfer DateJul 19, 2022
Transfer Doc0062640171
Record UpdatedJun 8, 2026

August 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateAug 4, 2022
Property Address3544 SAXONY LN, SAINT CLOUD, FL 34772-8600
Document Number0062640171
Book / Page6264 / 171
Map ReferenceMB 23 PG 1-4
Instrument DateJul 19, 2022
Instrument2022120148
Transaction TypeTransfer
Record UpdatedAug 23, 2022
Title CompanyALL FLORIDA TITLE

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3544 SAXONY LN, 3544, SAINT CLOUD, FL 34772-8600

Transferred To (Grantee/Buyer)

NameVerified Name
Address3544 SAXONY LN, SAINT CLOUD, FL 34772-8600

Mortgage

Document Number0062640173
DateAug 4, 2022
Book Page6264/173
Instrument2022120149
Lender
NameCHRISTENSEN FINANCIAL INC
TypeFunding / Finance Company
AddressALTAMONTE SPRINGS, FL 32714
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueAug 1, 2037

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,573.00 (+3.51%) Homeowner's exemption$242,540 (+5.99%)$390,900 (+4.6%) Land $70,000 Building $320,900
2024$3,452.00 (+2.68%)
2023$3,362.00 (+3.64%) Homeowner's exemption$228,840 (+3%)$373,700 (+15.38%) Land $60,000 Building $313,700
2022$3,244.00 Homeowner's exemption$222,175$323,900 Land $55,000 Building $268,900

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 ZoneZone A
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationNot determined for this zone
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 66 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies66 in force
Nearby Flood Claims2 (2017–2024)
Claims Outside the SFHA1 of 2
Most Recent ClaimOct 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 RiskModerate
above 52% of the US · lower than 76% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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