1655 Bay Breeze Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1655 Bay Breeze Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,965 sqft · built 2020
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Last Sale	$310,894 (Jan 2021)
Tax Bill	$4,707 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage May 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`042631012200012280`

Property Details

APN / Parcel Number

Primary APN	`042631012200012280`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,965 sqft Heated Area
Gross Area	2,457 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Finished
Porch	Open Porch
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	1655 BAY BREEZE DR
City	SAINT CLOUD
State	FL
Zip	34771-7481
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ESTATES OF WESTERLY PB 26 PGS 193-195 LOT 228
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	ESTATES OF WESTERLY
Legal Tract	122
Legal Lot Number	228
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3026
Census Tract	43700

Owner

1655 Bay Breeze Dr is owned and occupied by an individual who bought it in January 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	1655 BAY BREEZE DR, SAINT CLOUD, FL 34771-7481
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 4, 2021	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage BROKER SOLUTIONS INC
May 22, 2020	Grant Deed, Subdivision Related Transfer · FHA Mortgage NEW AMERICAN FNDG
Oct 7, 2019	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2021 · Amount on File
Deed Sale	Jan 4, 2021 · Amount on File
Prior Sale	Oct 7, 2019 · Amount on File
Deed Document Number	2021000306
Deed Book / Page	5863 / 2470
Record Updated	Jun 8, 2026

January 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 4, 2021
Property Address	1655 BAY BREEZE DR, SAINT CLOUD, FL 34771-7481
Document Number	0058632470
Book / Page	5863 / 2470
Map Reference	MB 26 PG 193
Instrument Date	Dec 28, 2020
Instrument	2021000306
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 1, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,176.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10255 FORTUNE PKWY # 150, 10255, JACKSONVILLE, FL 32256-6502

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1655 BAY BREEZE DR, SAINT CLOUD, FL 34771-7481

Mortgage

Document Number	0058632471
Date	Jan 4, 2021
Instrument	5863/2471

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

May 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 22, 2020
Property Address	1655 BAY BREEZE DR, SAINT CLOUD, FL 34771-7481
Document Number	0057260441
Book / Page	005726 / 000441
Instrument Date	Apr 15, 2020
Instrument	67223
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 20, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,293.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5701 SHAKER PALM PL ST CLOUD FL 347717487, ST CLOUD, FL 34771-7487

Mortgage

Document Number	57260442
Date	May 22, 2020
Book Page	005726/000442
Instrument	67224

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 21, 2050

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 7, 2019
Property Address	1655 BAY BREEZE DR, SAINT CLOUD, FL 34771-7481
Document Number	0056011220
Book / Page	005601 / 001220
Instrument Date	Oct 1, 2019
Instrument	129108
Transaction Type	Transfer
Record Updated	Oct 23, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$11,274.20
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	2822 COMMERCE PARK DR #100 ORLANDO FL 328198636, 100, ORLANDO, FL 32819-8636
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 1655 Bay Breeze Dr was $4,707 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	$4,707.00 Homeowner's exemption	$305,884	$334,400 Land $70,000 Building $264,400
2023	$4,438.00 (+3.45%) Homeowner's exemption	$288,606 (+3%)	$337,200 (+20.34%) Land $65,000 Building $272,200
2022	$4,290.00 Homeowner's exemption	$280,200 Land $55,000 Building $225,200	$280,200 Land $55,000 Building $225,200

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

Flood

FEMA maps place 1655 Bay Breeze Dr in Zone X, an area of minimal flood risk.

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 File median of 70 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	70 in force

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 1655 Bay Breeze Dr is high, ranking above 76% of the US, with a 0.6% annual chance of wildfire.

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

Wildfire Risk	High above 76% of the US · above 62% of Florida
Wildfire Likelihood	0.6% 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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 103 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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