1672 Bay Breeze Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1672 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	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$399,900 (May 2024)
Tax Bill	$5,896 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`042631012200010990`

Property Details

APN / Parcel Number

Primary APN	`042631012200010990`

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	Carpet
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	8,712 sqft (0.2 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	1672 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 99
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	ESTATES OF WESTERLY
Legal Tract	122
Legal Lot Number	99
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3026
Census Tract	43700

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1672 BAY BREEZE DR, SAINT CLOUD, FL 34771-7482
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 31, 2022	Warranty Deed, Transfer · Conventional Mortgage WATSON MORTGAGE CORP
Sep 1, 2020	Deed of Trust, Mortgage · FHA Mortgage COLUMBUS CAPITAL LENDING LLC
Feb 21, 2019	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2024 · Amount on Record
Deed Sale	May 13, 2024 · Amount on Record
Prior Sale	May 31, 2022 · Amount on Record
Deed Document Number	2024062729
Deed Book / Page	6599 / 525
Record Updated	Jun 8, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 31, 2022
Property Address	1672 BAY BREEZE DR, SAINT CLOUD, FL 34771-7482
Document Number	0062231323
Book / Page	6223 / 1323
Map Reference	MB 26 PG 193-195
Instrument Date	May 20, 2022
Instrument	2022084871
Transaction Type	Transfer
Record Updated	Jun 15, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,080.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2334 AVELLINO AVE, 2334, SAINT CLOUD, FL 34771-8002

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1672 BAY BREEZE DR, SAINT CLOUD, FL 34771-7482

Mortgage

Document Number	0062231326
Date	May 31, 2022
Instrument	6223/1326

Lender

Name	WATSON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1672 BAY BREEZE DR, SAINT CLOUD, FL 34771-7482
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057851375
Date	Sep 1, 2020
Book Page	5785/1375
Instrument	2020115991

Lender

Name	COLUMBUS CAPITAL LENDING LLC
Type	Mortgage Company
Address	MIAMI, FL 33176

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

February 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 21, 2019
Property Address	1672 BAY BREEZE DR, SAINT CLOUD, FL 34771-7482
Document Number	0054801765
Book / Page	5480 / 1765
Map Reference	MB 26 PG 193-195
Instrument Date	Feb 19, 2019
Instrument	2019022417
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
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	1672 BAY BREEZE DR, SAINT CLOUD, FL 34771-7482

Mortgage

Document Number	2019022418
Date	Feb 21, 2019
Instrument	2019022418

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

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	$5,896.00 (+12.95%)	$329,200 (-0.84%) Land $70,000 Building $259,200	$329,200 (-0.84%) Land $70,000 Building $259,200
2023	$5,220.00 (+56.1%) Homeowner's exemption	$332,000 (+45.82%) Land $65,000 Building $267,000	$332,000 (+21.39%) Land $65,000 Building $267,000
2022	$3,344.00 Homeowner's exemption	$227,683	$273,500 Land $55,000 Building $218,500

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 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

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

Wildfire Risk	High above 75% of the US · above 61% of Florida
Wildfire Likelihood	0.4% 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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