3546 Saxony Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3546 Saxony Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,820 sqft · built 2014
Lot Size	0.269 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$199,704 (Jan 2015)
Tax Bill	$2,939 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`272630018000015570`

Property Details

APN / Parcel Number

Primary APN	`272630018000015570`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,820 sqft Heated Area
Gross Area	2,352 sqft
1st Floor Area	1,820 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,761 sqft (0.269 acres)
Garage Type	Finished
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	92 sqft
Patio Area	40 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3546 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 557
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	557
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3546 SAXONY LN, SAINT CLOUD, FL 34772-8600
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2021	Deed of Trust, Mortgage · FHA Mortgage DMI MORTGAGE SERVICING
Jan 21, 2020	Deed of Trust, Mortgage · FHA Mortgage AMERISAVE MORTGAGE CORP
Feb 23, 2017	Deed of Trust, Mortgage · FHA Mortgage MONEY SOURCE (NY) INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 12, 2015 · Amount on Record
Deed Sale	Jan 12, 2015 · Amount on Record
Deed Document Number	2015004934
Deed Book / Page	4720 / 2072
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3546 SAXONY LN, SAINT CLOUD, FL 34772-8600
Transaction Type	Mortgage
Record Updated	Apr 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3546 SAXONY LN, SAINT CLOUD, FL 34772-8600

Mortgage

Document Number	0059151183
Date	Mar 18, 2021
Book Page	5915/1183
Instrument	2021040559

Lender

Name	DMI MORTGAGE SERVICING
Type	Non-Lending Institution
Address	DALLAS, TX 75201

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	347 Months
Due	Feb 1, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3546 SAXONY LN, SAINT CLOUD, FL 34772-8600
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056601326
Date	Jan 21, 2020
Book Page	5660/1326
Instrument	2020009479

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3546 SAXONY LN, SAINT CLOUD, FL 34772-8600
Document Number	0051290888
Book / Page	005129 / 000888
Instrument Date	Feb 23, 2017
Transaction Type	Mortgage
Record Updated	May 24, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3546 SAXONY LN ST CLOUD FL 347728600, ST CLOUD, FL 34772-8600

Mortgage

Document Number	0051290888
Date	Apr 7, 2017
Book Page	005129/000888
Instrument	52928

Lender

Name	MONEY SOURCE (NY) INC
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 6, 2047

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	$2,939.00 (+6.49%) Homeowner's exemption	$207,120 (+5.99%)	$325,300 (+4.73%) Land $70,000 Building $255,300
2023	$2,760.00 (+3.76%) Homeowner's exemption	$195,421 (+3%)	$310,600 (+14.36%) Land $60,000 Building $250,600
2022	$2,660.00 Homeowner's exemption	$189,730	$271,600 Land $55,000 Building $216,600

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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