1660 Bay Breeze Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1660 Bay Breeze Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,884 sqft · built 2019
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$303,990 (May 2019)
Tax Bill	$4,269 (2025)
Deeds & Mortgages	Sep 2021 Transfer May 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`04-26-31-0122-0001-1040`

Property Details

APN / Parcel Number

Primary APN	`04-26-31-0122-0001-1040`
Alternative APN	`263104012200011040`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,884 sqft Living Area
Gross Area	3,465 sqft
1st Floor Area	1,324 sqft
Upper Floors Area	1,560 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	483 sqft
Porch	Florida Room
Porch Area	98 sqft
Patio Area	210 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	1660 BAY BREEZE DR
City	SAINT CLOUD
State	FL
Zip	34771-7482
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ESTATES OF WESTERLY PB 26 PGS 193-195 LOT 104
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	ESTATES OF WESTERLY
Legal Lot Number	104
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3026
Census Tract	43700

Owner

1660 Bay Breeze Dr is owned and occupied by two individuals who acquired it in September 2021.

Source: Osceola County records, as of March 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1660 BAY BREEZE DR, SAINT CLOUD, FL 34771-7482
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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
Sep 3, 2021	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
May 24, 2019	Grant Deed, Subdivision Related Transfer DHI TITLE/FL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2019 · Amount on File
Deed Sale	May 24, 2019 · Amount on File
Deed Document Number	201967335
Deed Book / Page	5529 / 2400
Last Transfer Date	Sep 1, 2021
Transfer Doc	0060361128
Record Updated	Jun 8, 2026

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Sep 3, 2021
Property Address	1660 BAY BREEZE DR, SAINT CLOUD, FL 34771-7482
Document Number	0060361128
Book / Page	6036 / 1128
Map Reference	MB 26 PG 193-195
Instrument Date	Sep 1, 2021
Instrument	2021137218
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1660 BAY BREEZE DR, SAINT CLOUD, FL 34771-7482

May 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 24, 2019
Property Address	1660 BAY BREEZE DR, SAINT CLOUD, FL 34771-7482
Document Number	0055292400
Book / Page	005529 / 002400
Instrument Date	May 23, 2019
Instrument	67335
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 5, 2019
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount on Record
Tax	$2,127.93
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1660 BAY BREEZE DR ST CLOUD FL 347717482, ST CLOUD, FL 34771-7482

Tax Assessment & Valuation

The 2025 property tax bill for 1660 Bay Breeze Dr was $4,269 with exemptions applied, up 3.6% from the year before.

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	$4,269.00 (+3.64%) Homeowner's exemption Senior Citizen's exemption	$293,045	$414,900 Land $70,000 Building $344,900
2024	$4,119.00 (+2.67%)
2023	$4,012.00 (+3.67%) Homeowner's exemption Senior Citizen's exemption	$276,493 (+3%)	$405,200 (+20.09%) Land $65,000 Building $340,200
2022	$3,870.00 Homeowner's exemption Senior Citizen's exemption	$268,440	$337,400 Land $55,000 Building $282,400

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

Flood

FEMA maps place 1660 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 1660 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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