Osceola County property record for 3550 Saxony Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,820 sqft · built 2015 |
| Lot Size | 0.18 acres (7,840 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $395,000 (Mar 2026) |
| Tax Bill | $2,942 (2025) |
| Deeds & Mortgages | Mar 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-26-30-0180-0001-5550 |
| Primary APN | 27-26-30-0180-0001-5550 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,820 sqft Living Area |
| Gross Area | 2,352 sqft |
| 1st Floor Area | 1,820 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,840 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 92 sqft |
| Patio Area | 300 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3550 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 555 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 27 |
| Legal Subdivision | MALLARD POND PH 4B |
| Legal Phase | 4B |
| Legal Tract | 180 |
| Legal Block | 5550 |
| Legal Lot Number | 555 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 43207 |
Source: Osceola County records, as of June 30, 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 Record |
|---|---|
| Mailing Address | 3550 SAXONY LN, SAINT CLOUD, FL 34772-8600 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 9, 2026 · Amount on Record |
| Deed Sale | Mar 9, 2026 · Amount on Record |
| Prior Sale | Sep 29, 2015 · Amount on Record |
| Deed Document Number | 202630129 |
| Deed Book / Page | 6933 / 1266 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 9, 2026 |
| Property Address | 3550 SAXONY LN, SAINT CLOUD, FL 34772-8600 |
| Document Number | 0069331266 |
| Book / Page | 6933 / 1266 |
| Map Reference | MB 23 PG 1 |
| Instrument Date | Feb 27, 2026 |
| Instrument | 2026030129 |
| Transaction Type | Transfer |
| Record Updated | Mar 25, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,765.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 600 N BOUNDARY AVE # AVE110A, AVE110A, DELAND, FL 32720-3136 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3550 SAXONY LN, SAINT CLOUD, FL 34772-8600 |
| Document Number | 0069331268 |
|---|---|
| Date | Mar 9, 2026 |
| Instrument | 6933/1268 |
| Name | EMM LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,942.00 (+3.59%) Homeowner's exemption | $207,279 (+5.99%) | $320,800 (+5.04%) Land $70,000 Building $250,800 |
| 2024 | $2,840.00 (+2.79%) | ||
| 2023 | $2,763.00 (+3.79%) Homeowner's exemption | $195,571 (+3%) | $305,400 (+14.98%) Land $60,000 Building $245,400 |
| 2022 | $2,662.00 Homeowner's exemption | $189,875 | $265,600 Land $55,000 Building $210,600 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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.
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.
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 |
| 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.
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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