Osceola County property record for 3548 Cayugas Loop, Saint Cloud, FL 34772 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2016 |
| Square Footage | 2,518 sqft Living Area |
| Lot Size | 9,583 sqft (0.22 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $380,000 (2026) |
| Tax Bill | $3,824.00 (2025) |
| Primary APN | 27-26-30-0180-0001-5020 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,518 sqft Living Area |
| Gross Area | 3,253 sqft Gross Area |
| 1st Floor | 2,518 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet 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 | 9,583 sqft (0.22 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 436 sqft Garage |
| Porch Area | 299 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3548 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 502 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 27 |
| Legal Subdivision | MALLARD POND PH 4B |
| Legal Phase | 4B |
| Legal Tract | 180 |
| Legal Block | 5020 |
| Legal Lot Number | 502 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2000 |
| Census Tract | 43207 |
Source: Osceola County records · APN 27-26-30-0180-0001-5020
Assessment roll updated November 26, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3548 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Jun 15, 2026 | Warranty Deed, Transfer · Conventional Mortgage THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION |
| Jun 15, 2026 | Affidavit, Transfer |
| Jun 05, 2018 | Warranty Deed, Transfer SIGNATURE TITLE PROFESSIONALS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 15, 2026 · Amount on Record |
| Deed Sale | Jun 15, 2026 · Amount on Record |
| Prior Sale | Jun 05, 2018 · Amount on Record |
| Deed Doc Number | 202678138 |
| Deed Book / Page | 6988 / 169 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 15, 2026 |
| Property Address | 3548 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Document Number | 0000078138 |
| Book / Page | 6988 / 169 |
| Instrument Date | Jun 15, 2026 |
| Instrument | 202678138 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2026 |
| Title Company | EQUITABLE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $268,660.00 |
| Amount Accuracy | Calculated from Tax (Full/Partial Unknown) |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3548 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Document Number | 0000078139, |
|---|---|
| Date | Jun 15, 2026 |
| Instrument | 202678139 |
| Name | THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 01, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.64% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Affidavit |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 15, 2026 |
| Property Address | 3548 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Document Number | 0000078136 |
| Book / Page | 6988 / 167 |
| Instrument Date | Jun 12, 2026 |
| Instrument | 202678136 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 05, 2018 |
| Property Address | 3548 CAYUGAS LOOP, SAINT CLOUD, FL 34772-7826 |
| Document Number | 0053451120 |
| Book / Page | 005345 / 001120 |
| Instrument Date | Jun 01, 2018 |
| Instrument | 87215 |
| Transaction Type | Transfer |
| Record Updated | Jul 03, 2018 |
| Title Company | SIGNATURE TITLE PROFESSIONALS |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,980.30 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 3548 CAYUGAS LOOP ST CLOUD FL 347727826, ST CLOUD, FL 34772-7826 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 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 | $3,824.00 (+10.01%) Homeowner's exemption Widower's exemption | $261,545 (+5.99%) | $409,100 (+4.34%) Land $70,000 Building $339,100 |
| 2023 | $3,476.00 (+3.76%) Homeowner's exemption Senior Citizen's exemption | $246,771 (+3%) | $392,100 (+15.32%) Land $60,000 Building $332,100 |
| 2022 | $3,350.00 Homeowner's exemption Senior Citizen's exemption | $239,584 | $340,000 Land $55,000 Building $285,000 |
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 |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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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