1682 Bay Breeze Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1682 Bay Breeze Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,674 sqft · built 2019
Lot Size	0.17 acres (7,405 sqft)
Owner	Company Name on Record
Last Sale	$410,000 (Aug 2023)
Tax Bill	$6,565 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Aug 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-26-31-0122-0001-0950`

Property Details

APN / Parcel Number

Primary APN	`04-26-31-0122-0001-0950`
Alternative APN	`263104012200010950`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,674 sqft Living Area
Gross Area	3,184 sqft
1st Floor Area	1,106 sqft
Upper Floors Area	1,568 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	L-Shape
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	462 sqft
Porch	Finished/Open Porch
Porch Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1682 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 95
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	ESTATES OF WESTERLY
Legal Lot Number	95
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 July 7, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	6520 PLATT AVE, WEST HILLS, CA 91307-3218
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 28, 2023	Warranty Deed, Transfer FLORIDA TITLE PROS, FLORIDA TITLEPROS
Sep 10, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 28, 2019	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2023 · Amount on Record
Deed Sale	Aug 28, 2023 · Amount on Record
Prior Sale	Mar 28, 2019 · Amount on Record
Deed Document Number	2023113245
Deed Book / Page	6465 / 602
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1682 BAY BREEZE DR, SAINT CLOUD, FL 34771-7482
Transaction Type	Mortgage
Record Updated	Aug 31, 2023
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1682 BAY BREEZE DR, SAINT CLOUD, FL 34771-7482

Mortgage

Document Number	0064591441
Date	Aug 17, 2023
Book Page	6459/1441
Instrument	2023108209

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CORAOPOLIS, PA 15108

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	326 Months
Due	Oct 1, 2050

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 28, 2023
Property Address	1682 BAY BREEZE DR, SAINT CLOUD, FL 34771-7482
Document Number	0064650602
Book / Page	6465 / 602
Map Reference	MB 26 PG 193-195
Instrument Date	Aug 25, 2023
Instrument	2023113245
Transaction Type	Transfer
Record Updated	Sep 13, 2023
Title Company	FLORIDA TITLE PROS, FLORIDA TITLEPROS

Transaction

Amount	Amount Recorded
Tax	$2,870.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1615 DAKOTA AVE, SAINT CLOUD, FL 34769-4242

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6520 PLATT AVE # 536, 536, WEST HILLS, CA 91307-3218

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1682 BAY BREEZE DR, SAINT CLOUD, FL 34771-7482
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057910630
Date	Sep 10, 2020
Book Page	5791/630
Instrument	2020120872

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

March 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 28, 2019
Property Address	1682 BAY BREEZE DR, SAINT CLOUD, FL 34771-7482
Document Number	0054982329
Book / Page	5498 / 2329
Map Reference	MB 26 PG 193-195
Instrument Date	Mar 22, 2019
Instrument	2019039286
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	$2,072.00
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	1682 BAY BREEZE DR, SAINT CLOUD, FL 34771-7482

Mortgage

Document Number	2019039287
Date	Mar 28, 2019
Instrument	2019039287

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

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	$6,565.00 (+11.37%)	$366,600 (+2.52%) Land $70,000 Building $296,600	$366,600 (+2.52%) Land $70,000 Building $296,600
2023	$5,895.00 (+13.06%)	$357,600 (+20.04%) Land $65,000 Building $292,600	$357,600 (+20.04%) Land $65,000 Building $292,600
2022	$5,214.00	$297,900 Land $55,000 Building $242,900	$297,900 Land $55,000 Building $242,900

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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