3550 Buckingham Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3550 Buckingham Ct, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	7 bd · 5 ba · 4,829 sqft · built 2005
Lot Size	0.43 acres (18,731 sqft)
Owner	Individual Name on File
Last Sale	$815,000 (Sep 2023)
Tax Bill	$13,455 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`120429`

Property Details

APN / Parcel Number

Primary APN	`120429`
Alternative APN	`152630070000010650`

Interior

Bedrooms	7 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	4,829 sqft Heated Area
Gross Area	6,140 sqft
1st Floor Area	2,697 sqft
Upper Floors Area	2,132 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	18,731 sqft (0.43 acres)
Garage Type	Finished
Garage Area	812 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Porch	Open Porch
Porch Area	499 sqft
Deck Area	492 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	120429
Street Address	3550 BUCKINGHAM CT
City	SAINT CLOUD
State	FL
Zip	34772-8727
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STEVENS PLANTATION PB 16 PGS 34-41 LOT 65
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	STEVENS PLANTATION
Legal Tract	700
Legal Block	1
Legal Lot Number	65
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2000
Census Tract	43208

Owner

Source: Osceola County records · APN 120429

Assessment roll updated July 1, 2025 · Last verified December 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 File
Co-owner	Verified Secondary Owner
Mailing Address	3550 BUCKINGHAM CT, SAINT CLOUD, FL 34772-8727
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 08, 2023	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Sep 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage MIDFLORIDA CU
Jul 21, 2021	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 08, 2023 · Amount on Record
Deed Sale	Sep 08, 2023 · Amount on Record
Prior Sale	Jul 21, 2021 · Amount on Record
Deed Document Number	2023118451
Deed Book / Page	6471 / 189
Record Updated	Jun 08, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 08, 2023
Property Address	3550 BUCKINGHAM CT, SAINT CLOUD, FL 34772-8727
Document Number	0064710189
Book / Page	6471 / 189
Map Reference	MB 16 PG 34-41
Instrument Date	Aug 28, 2023
Instrument	2023118451
Transaction Type	Transfer
Record Updated	Sep 28, 2023
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$5,705.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22126 QUALE GROVE RD, EUSTIS, FL 32736-9496

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3550 BUCKINGHAM CT, SAINT CLOUD, FL 34772-8727

Mortgage

Document Number	0006471193
Date	Sep 08, 2023
Instrument	6471/193

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2053

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3550 BUCKINGHAM CT, SAINT CLOUD, FL 34772-8727
Transaction Type	Mortgage
Record Updated	Aug 01, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3550 BUCKINGHAM CT, SAINT CLOUD, FL 34772-8727

Mortgage

Document Number	0057962084
Date	Sep 18, 2020
Book Page	5796/2084
Instrument	2020125589

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 01, 2035

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 21, 2021
Property Address	3550 BUCKINGHAM CT, SAINT CLOUD, FL 34772-8727
Document Number	0060062037
Book / Page	6006 / 2037
Map Reference	MB 16 PG 34-41
Instrument Date	Jul 20, 2021
Instrument	2021112889
Transaction Type	Transfer
Record Updated	Aug 01, 2022
Title Company	QUALITY TITLE AND ESCROW LLC, QUALITY TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$5,180.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3601 DAYDREAM PL, 3601, SAINT CLOUD, FL 34772-8232

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3550 BUCKINGHAM CT, SAINT CLOUD, FL 34772-8727

Mortgage

Document Number	0060062039
Date	Jul 21, 2021
Instrument	6006/2039

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2051

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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	$13,455.00 (+23.66%) Homeowner's exemption	$686,800 (+24.54%) Land $100,000 Building $586,800	$686,800 (+10.58%) Land $100,000 Building $586,800
2023	$10,881.00 (+4.08%) Homeowner's exemption	$551,471 (+3%)	$621,100 (+9.62%) Land $80,000 Building $541,100
2022	$10,454.00 Homeowner's exemption	$535,409	$566,600 Land $78,000 Building $488,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432082, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Cost	Premium on Record median of 41 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	41 in force
Nearby Flood Claims	2 (2015–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2020, other causes

Wildfire

Wildfire Risk	Moderate above 46% of the US · above 17% of Florida
Wildfire Likelihood	About 1 in 1,031 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 262 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Fiber	1,000 / 1,000
Lumen Technologies	Fiber	100 / 100

May also be available at this address: Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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