Osceola County property record for 3551 Buckingham Ct, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,791 sqft · built 2006 |
| Lot Size | 0.434 acres (18,905 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $582,000 (Sep 2025) |
| Tax Bill | $6,200 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Jan 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-26-30-0700-0001-0680 |
| Primary APN | 15-26-30-0700-0001-0680 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,791 sqft Living Area |
| Gross Area | 4,077 sqft |
| 1st Floor Area | 2,791 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 18,905 sqft (0.434 acres) |
| Garage Type | Attached |
| Garage Area | 759 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 360 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 527 sqft |
| Deck Area | 1,208 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 3551 BUCKINGHAM CT |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8727 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SPUD |
| Legal Description | STEVENS PLANTATION PB 16 PGS 34-41 LOT 68 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 15 |
| Legal Subdivision | STEVENS PLANTATION |
| Legal Tract | 700 |
| Legal Block | 680 |
| Legal Lot Number | 68 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 43208 |
Source: Osceola County records · APN 15-26-30-0700-0001-0680
Assessment roll updated November 26, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 3551 BUCKINGHAM CT, SAINT CLOUD, FL 34772-8727 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 22, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jan 12, 2021 | Deed of Trust, Mortgage · Line of Credit ADDITION FINANCIAL CU |
| Sep 24, 2025 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Jul 16, 2019 | Deed of Trust, Mortgage · Conventional Mortgage ADDITION FIN'L CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 24, 2025 · Amount on Record |
| Deed Sale | Sep 24, 2025 · Amount on Record |
| Prior Sale | Jan 14, 2014 · Amount on Record |
| Deed Document Number | 2025116907 |
| Deed Book / Page | 6852 / 178 |
| Prior Transfer Date | Jan 09, 2014 |
| Prior Transfer Doc | 0045562312 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3551 BUCKINGHAM CT, SAINT CLOUD, FL 34772-8727 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3551 BUCKINGHAM CT, SAINT CLOUD, FL 34772-8727 |
| Document Number | 0062892496 |
|---|---|
| Date | Sep 22, 2022 |
| Book Page | 6289/2496 |
| Instrument | 2022143376 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Sep 15, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3551 BUCKINGHAM CT, SAINT CLOUD, FL 34772-8727 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Title Company | ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC |
| Name | Verified Name |
|---|---|
| Address | 355 BUCKINGHAM CT, SAINT CLOUD, FL 34772 |
| Document Number | 0058690197 |
|---|---|
| Date | Jan 12, 2021 |
| Book Page | 5869/197 |
| Instrument | 2021004762 |
| Name | ADDITION FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | LAKE MARY, FL 32746 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 420 Months |
| Due | Jan 11, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 24, 2025 |
| Property Address | 3551 BUCKINGHAM CT, SAINT CLOUD, FL 34772-8727 |
| Document Number | 0068520178 |
| Book / Page | 6852 / 178 |
| Map Reference | MB 16 PG 34-41 |
| Instrument Date | Sep 18, 2025 |
| Instrument | 2025116907 |
| Transaction Type | Transfer |
| Record Updated | Apr 02, 2026 |
| Title Company | ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,074.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1077 N BOWKNOT LAKE PL, STAR, ID 83669-6272 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3551 BUCKINGHAM CT, SAINT CLOUD, FL 34772-8727 |
| Document Number | 0006852181 |
|---|---|
| Date | Sep 24, 2025 |
| Instrument | 6852/181 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3551 BUCKINGHAM CT, SAINT CLOUD, FL 34772-8727 |
| Document Number | 0055610886 |
| Instrument Date | Jul 16, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2019 |
| Title Company | MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SVCS INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3551 BUCKINGHAM CT ST CLOUD FL 347728727, ST CLOUD, FL 34772-8727 |
| Document Number | 0055610886 |
|---|---|
| Date | Jul 23, 2019 |
| Book Page | 005561/000886 |
| Instrument | 94888 |
| Name | ADDITION FIN'L CU |
|---|---|
| Address | LAKE MARY, FL 32746 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 22, 2049 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,200.00 (+2.36%) | $281,460 (+2.9%) | $481,200 (+2.19%) Land $100,000 Building $381,200 |
| 2024 | $6,057.00 (+5.67%) Homeowner's exemption | $273,528 (+3%) | $470,900 (+8.63%) Land $100,000 Building $370,900 |
| 2023 | $5,732.00 (+5.16%) Homeowner's exemption | $265,562 (+3%) | $433,500 (+9.06%) Land $80,000 Building $353,500 |
| 2022 | $5,451.00 Homeowner's exemption | $257,828 | $397,500 Land $78,000 Building $319,500 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 41 policies |
| 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 Risk | Moderate above 46% of the US · lower than 83% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Lumen Technologies Fiber | 100 / 100 |
May also be available: Verizon.
Based on FCC filings for 262 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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