3562 Saxony Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3562 Saxony Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,256 sqft · built 2015
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$400,000 (Dec 2021)
Tax Bill	$6,429 (2025)
Deeds & Mortgages	Jan 2023 Second Mortgage Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`272630018000015490`

Property Details

APN / Parcel Number

Primary APN	`272630018000015490`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,256 sqft Heated Area
Gross Area	4,220 sqft
1st Floor Area	1,446 sqft
Upper Floors Area	1,810 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Finished
Garage Area	688 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	276 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3562 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 549
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	549
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2000
Census Tract	43207

Owner

3562 Saxony Ln is owned and occupied by an individual who bought it in December 2021.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3562 SAXONY LN, SAINT CLOUD, FL 34772-8600
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Dec 16, 2021	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2021 · Amount on File
Deed Sale	Dec 16, 2021 · Amount on File
Prior Sale	Oct 2, 2015 · Amount on File
Deed Document Number	2021194120
Deed Book / Page	6109 / 1222
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3562 SAXONY LN, SAINT CLOUD, FL 34772-8600
Transaction Type	Mortgage
Record Updated	Feb 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3562 SAXONY LN, SAINT CLOUD, FL 34772-8600

Mortgage

Document Number	0063460136
Date	Jan 19, 2023
Book Page	6346/136
Instrument	2023006796

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	WAYNE, PA 19087

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 16, 2021
Property Address	3562 SAXONY LN, SAINT CLOUD, FL 34772-8600
Document Number	0061091222
Book / Page	6109 / 1222
Map Reference	MB 23 PG 1
Instrument Date	Dec 10, 2021
Instrument	2021194120
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3562 SAXONY LN, 3562, SAINT CLOUD, FL 34772-8600

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3562 SAXONY LN, SAINT CLOUD, FL 34772-8600

Mortgage

Document Number	0061091224
Date	Dec 16, 2021
Instrument	6109/1224

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 3562 Saxony Ln was $6,429 with a homeowner's exemption.

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	$6,429.00 Homeowner's exemption	$402,060	$410,500 Land $70,000 Building $340,500
2023	$6,073.00 (+3.32%) Homeowner's exemption	$379,349 (+3%)	$425,600 (+15.56%) Land $60,000 Building $365,600
2022	$5,878.00 Homeowner's exemption	$368,300 Land $55,000 Building $313,300	$368,300 Land $55,000 Building $313,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3562 Saxony Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 3562 Saxony Ln is moderate, ranking above 42% of the US, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.04% 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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