3580 Buckingham Way, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3580 Buckingham Way, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,537 sqft · built 2013
Lot Size	0.373 acres (16,247 sqft)
Owner	2 Individual Names on Record
Last Sale	$515,000 (Jan 2024)
Tax Bill	$6,662 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Apr 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-26-30-0700-0001-0140`

Property Details

APN / Parcel Number

Primary APN	`15-26-30-0700-0001-0140`
Alternative APNs	`263015070000010140` `120378`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,537 sqft Living Area
Gross Area	3,669 sqft
1st Floor Area	2,537 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,247 sqft (0.373 acres)
Garage Type	Attached
Garage Area	719 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	413 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3580 BUCKINGHAM WAY
City	SAINT CLOUD
State	FL
Zip	34772-8744
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	STEVENS PLANTATION PB 16 PGS 34-41 LOT 14
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	STEVENS PLANTATION
Legal Tract	700
Legal Block	140
Legal Lot Number	14
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2000
Census Tract	43208

Owner

Source: Osceola County records, as of November 26, 2025

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	3580 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8744
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2024	Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC
Apr 6, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2024 · Amount on Record
Deed Sale	Jan 12, 2024 · Amount on Record
Prior Sale	Jul 17, 2013 · Amount on Record
Deed Document Number	20244882
Deed Book / Page	6533 / 368
Prior Transfer Date	Jul 31, 2012
Prior Transfer Doc	0043050775
Record Updated	Jun 8, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 12, 2024
Property Address	3580 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8744
Document Number	0065330368
Book / Page	6533 / 368
Map Reference	MB 16 PG 34-41
Instrument Date	Jan 5, 2024
Instrument	2024004882
Transaction Type	Transfer
Record Updated	Jan 31, 2024
Title Company	PREMIER TITLE AGENCY INC, PREMIER TITLE AGENCY SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,605.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3580 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8744

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3580 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8744

Mortgage

Document Number	0006533372
Date	Jan 12, 2024
Instrument	6533/372

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3580 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8744
Transaction Type	Mortgage
Record Updated	Apr 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3580 BUCKINGHAM WAY, SAINT CLOUD, FL 34772-8744

Mortgage

Document Number	0063822428
Date	Apr 6, 2023
Book Page	6382/2428
Instrument	2023038990

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$6,662.00 (+8.75%)	$307,280 (+14.09%)	$452,900 (+11.72%) Land $100,000 Building $352,900
2024	$6,126.00 (+5.62%)
2023	$5,800.00 (+5.13%) Homeowner's exemption	$269,336 (+3%)	$405,400 (+9.69%) Land $80,000 Building $325,400
2022	$5,517.00 Homeowner's exemption	$261,492	$369,600 Land $78,000 Building $291,600

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

Flood

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
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

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

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

Wildfire Risk	Moderate above 60% of the US · lower than 66% 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.

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 192 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, Xfinity.

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