1664 Bay Breeze Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1664 Bay Breeze Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,846 sqft · built 2019
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$290,000 (Dec 2020)
Tax Bill	$4,563 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`042631012200011020`

Property Details

APN / Parcel Number

Primary APN	`042631012200011020`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,846 sqft Heated Area
Gross Area	2,395 sqft
1st Floor Area	1,846 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Garage Type	Finished
Garage Area	441 sqft
Porch	Open Porch
Porch Area	108 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1664 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 102
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	ESTATES OF WESTERLY
Legal Tract	122
Legal Lot Number	102
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3026
Census Tract	43700

Owner

1664 Bay Breeze Dr is owned and occupied by an individual who bought it in December 2020.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1664 BAY BREEZE DR, SAINT CLOUD, FL 34771-7482
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
Dec 29, 2020	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Nov 27, 2019	Deed of Trust, Mortgage · VA Mortgage PLANET HM LNDG
Mar 29, 2019	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage EQUITY PRIME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2020 · Amount on File
Deed Sale	Dec 29, 2020 · Amount on File
Prior Sale	Mar 29, 2019 · Amount on File
Deed Document Number	2020176454
Deed Book / Page	5860 / 1117
Record Updated	Jun 8, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 29, 2020
Property Address	1664 BAY BREEZE DR, SAINT CLOUD, FL 34771-7482
Document Number	0058601117
Book / Page	5860 / 1117
Map Reference	MB 26 PG 193-195
Instrument Date	Dec 22, 2020
Instrument	2020176454
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	MAGNOLIA CLOSING CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,030.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1664 BAY BREEZE DR, 1664, SAINT CLOUD, FL 34771-7482

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1664 BAY BREEZE DR, SAINT CLOUD, FL 34771-7482

Mortgage

Document Number	0058601119
Date	Dec 29, 2020
Instrument	5860/1119

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1664 BAY BREEZE DR, SAINT CLOUD, FL 34771-7482
Document Number	0056390114
Instrument Date	Nov 27, 2019
Transaction Type	Mortgage
Record Updated	Jan 10, 2020
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1664 BAY BREEZE DR ST CLOUD FL 347717482, ST CLOUD, FL 34771-7482

Mortgage

Document Number	0056390114
Date	Dec 11, 2019
Book Page	005639/000114
Instrument	160798

Lender

Name	PLANET HM LNDG
Address	MERIDEN, CT 06450

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 10, 2049

March 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 29, 2019
Property Address	1664 BAY BREEZE DR, SAINT CLOUD, FL 34771-7482
Document Number	0054982764
Book / Page	5498 / 2764
Map Reference	MB 6 PG 193-195
Instrument Date	Mar 22, 2019
Instrument	2019039380
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,771.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6200 LEE VISTA BLVD STE 400, 6200, ORLANDO, FL 32822-5149

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1664 BAY BREEZE DR, SAINT CLOUD, FL 34771-7482

Mortgage

Document Number	2019039381
Date	Mar 29, 2019
Instrument	2019039381

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1664 Bay Breeze Dr was $4,563 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	$4,563.00 Homeowner's exemption	$297,805	$325,300 Land $70,000 Building $255,300
2023	$4,301.00 (+3.46%) Homeowner's exemption	$280,984 (+3%)	$327,900 (+20.2%) Land $65,000 Building $262,900
2022	$4,157.00 Homeowner's exemption	$272,800 Land $55,000 Building $217,800	$272,800 Land $55,000 Building $217,800

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

Flood

FEMA maps place 1664 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 1664 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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