1676 Bay Breeze Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1676 Bay Breeze Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,846 sqft · built 2018
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$335,754 (Nov 2023)
Tax Bill	$4 (2025)
Deeds & Mortgages	Nov 2023 Transfer Jan 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-26-31-0122-0001-0970`

Property Details

APN / Parcel Number

Primary APN	`04-26-31-0122-0001-0970`
Alternative APN	`263104012200010970`

Interior

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

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	48 sqft
Porch	Florida Room
Porch Area	108 sqft
Deck Area	480 sqft
Patio Area	1,000 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1676 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 97
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	ESTATES OF WESTERLY
Legal Lot Number	97
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3026
Census Tract	43700

Owner

1676 Bay Breeze Dr is owned and occupied by two individuals who bought it in November 2023.

Source: Osceola County records, as of November 26, 2025

Owner of Record	2 Individual Names on File
Mailing Address	1676 BAY BREEZE DR, SAINT CLOUD, FL 34771-7482
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Nov 16, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Jan 18, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Oct 11, 2021	Warranty Deed, Transfer · VA Mortgage EQUITY PRIME MORTGAGE LLC
Jan 7, 2019	Grant Deed, Subdivision Related Transfer DHI TITLE/FL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2023 · Amount on File
Deed Sale	Nov 16, 2023 · Amount on File
Prior Sale	Oct 11, 2021 · Amount on File
Deed Document Number	2023151390
Deed Book / Page	6506 / 1332
Prior Transfer Date	Jan 18, 2023
Prior Transfer Doc	0063451751
Record Updated	Sep 20, 2026

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Nov 16, 2023
Property Address	1676 BAY BREEZE DR, SAINT CLOUD, FL 34771-7482
Document Number	0065061332
Book / Page	6506 / 1332
Map Reference	MB 26 PG 193-195
Instrument Date	Nov 8, 2023
Instrument	2023151390
Transaction Type	Transfer
Record Updated	Dec 7, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1676 BAY BREEZE DR, SAINT CLOUD, FL 34771-7482

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1676 BAY BREEZE DR, SAINT CLOUD, FL 34771-7482

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jan 18, 2023
Property Address	1676 BAY BREEZE DR, SAINT CLOUD, FL 34771-7482
Document Number	0063451751
Book / Page	6345 / 1751
Map Reference	MB 26 PG 193-195
Instrument Date	Jan 18, 2023
Instrument	2023006406
Transaction Type	Transfer
Record Updated	Feb 2, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1676 BAY BREEZE DR, SAINT CLOUD, FL 34771-7482

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1676 BAY BREEZE DR, SAINT CLOUD, FL 34771-7482

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 11, 2021
Property Address	1676 BAY BREEZE DR, SAINT CLOUD, FL 34771-7482
Document Number	0060621821
Book / Page	6062 / 1821
Map Reference	MB 26 PG 193-195
Instrument Date	Oct 7, 2021
Instrument	2021157666
Transaction Type	Transfer
Record Updated	Oct 26, 2021
Title Company	FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,590.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1676 BAY BREEZE DR, SAINT CLOUD, FL 34771-7482

Mortgage

Document Number	60621823
Date	Oct 11, 2021
Instrument	6062/1823

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

January 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 7, 2019
Property Address	1676 BAY BREEZE DR, SAINT CLOUD, FL 34771-7482
Document Number	0054590853
Book / Page	005459 / 000853
Instrument Date	Dec 31, 2018
Instrument	1862
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 17, 2019
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount on Record
Tax	$1,798.93
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1676 BAY BREEZE DR ST CLOUD FL 34771, ST CLOUD, FL 34771

Tax Assessment & Valuation

The 2025 property tax bill for 1676 Bay Breeze Dr was $4.

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	$4.00	$368,100 Land $70,000 Building $298,100	$368,100 Land $70,000 Building $298,100
2024	$4.00 (-99.93%)
2023	$6,085.00 (+152,025%)	$337,700 (+58.24%) Land $65,000 Building $272,700	$337,700 (+15.69%) Land $65,000 Building $272,700
2022	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$213,416	$291,900 Land $55,000 Building $236,900

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

Flood

FEMA maps place 1676 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 1676 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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