1675 Bay Breeze Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1675 Bay Breeze Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,501 sqft · built 2019
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$248,990 (Jun 2019)
Tax Bill	$3,330 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Dec 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`04-26-31-0122-0001-0780`

Property Details

APN / Parcel Number

Primary APN	`04-26-31-0122-0001-0780`
Alternative APN	`263104012200010780`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,501 sqft Living Area
Gross Area	2,040 sqft
1st Floor Area	1,501 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Slab
Porch Area	164 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1675 BAY BREEZE DR
City	SAINT CLOUD
State	FL
Zip	34771-7483
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ESTATES OF WESTERLY PB 26 PGS 193-195 LOT 78
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	ESTATES OF WESTERLY
Legal Lot Number	78
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3026
Census Tract	43700

Owner

1675 Bay Breeze Dr is owned and occupied by an individual who bought it in June 2019.

Source: Osceola County records, as of July 22, 2026

Owner of Record	Individual Name on File
Mailing Address	1675 BAY BREEZE DR, SAINT CLOUD, FL 34771-7483
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
Jun 1, 2026	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Dec 22, 2022	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Jan 20, 2022	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC
Mar 12, 2020	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC
Jun 26, 2019	Warranty Deed, Subdivision Related Transfer · VA Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2019 · Amount on File
Deed Sale	Jun 26, 2019 · Amount on File
Deed Document Number	201982712
Deed Book / Page	5547 / 2695
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Jun 1, 2026
Property Address	1675 BAY BREEZE DR, SAINT CLOUD, FL 34771-7483
Document Number	0000070669
Book / Page	6979 / 471
Instrument Date	May 23, 2026
Instrument	202670669
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ROCKET MORTGAGE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1675 BAY BREEZE DR, SAINT CLOUD, FL 34771-7483
Investor	Possibly a Property Investor

Mortgage

Document Number	0000070669,
Date	Jun 1, 2026
Book Page	6979/471
Instrument	202670669

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.23%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1675 BAY BREEZE DR, SAINT CLOUD, FL 34771-7483
Transaction Type	Mortgage
Record Updated	Jan 11, 2023
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1675 BAY BREEZE DR, SAINT CLOUD, FL 34771-7483

Mortgage

Document Number	0063341842
Date	Dec 22, 2022
Book Page	6334/1842
Instrument	2022183523

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1675 BAY BREEZE DR, SAINT CLOUD, FL 34771-7483
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1675 BAY BREEZE DR, SAINT CLOUD, FL 34771-7483

Mortgage

Document Number	0061330389
Date	Jan 20, 2022
Book Page	6133/389
Instrument	2022010653

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1675 BAY BREEZE DR, SAINT CLOUD, FL 34771-7483
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056910398
Date	Mar 12, 2020
Book Page	5691/398
Instrument	2020036289

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

June 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 26, 2019
Property Address	1675 BAY BREEZE DR, SAINT CLOUD, FL 34771-7483
Document Number	0055472695
Book / Page	5547 / 2695
Map Reference	MB 26 PG 193
Instrument Date	Jun 24, 2019
Instrument	2019082712
Transaction Type	Subdivision Related Transfer
Record Updated	May 2, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,743.00
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	1675 BAY BREEZE DR, SAINT CLOUD, FL 34771-7483

Mortgage

Document Number	0055472696
Date	Jun 26, 2019
Instrument	5547/2696

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 1675 Bay Breeze Dr was $3,330 with exemptions applied.

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	$3,330.00 Homeowner's exemption Veteran's exemption	$233,958	$298,700 Land $70,000 Building $228,700
2023	$3,126.00 (+3.78%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$220,743 (+3%)	$300,700 (+19.28%) Land $65,000 Building $235,700
2022	$3,012.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$214,314	$252,100 Land $55,000 Building $197,100

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

Flood

FEMA maps place 1675 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 1675 Bay Breeze Dr is high, ranking above 75% of the US, with a 0.4% annual chance of 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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