1685 Bay Breeze Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1685 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	0.189 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,669,990 (Mar 2019)
Tax Bill	$4,025 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`042631012200010830`

Property Details

APN / Parcel Number

Primary APN	`042631012200010830`

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	8,276 sqft (0.189 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	1685 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 83
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	ESTATES OF WESTERLY
Legal Tract	122
Legal Lot Number	83
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	2 Individual Names on Record
Mailing Address	1685 BAY BREEZE DR, SAINT CLOUD, FL 34771-7483
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Mar 27, 2019	Grant Deed, Subdivision Related Transfer · FHA Mortgage COLUMBUS CAP LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 2019 · Amount on Record
Deed Sale	Mar 27, 2019 · Amount on Record
Deed Document Number	2019038448
Deed Book / Page	5497 / 2207
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1685 BAY BREEZE DR, SAINT CLOUD, FL 34771-7483
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1685 BAY BREEZE DR, SAINT CLOUD, FL 34771-7483

Mortgage

Document Number	0059420474
Date	Apr 22, 2021
Book Page	5942/474
Instrument	2021061638

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

March 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 27, 2019
Property Address	1685 BAY BREEZE DR, SAINT CLOUD, FL 34771-7483
Document Number	0054972207
Book / Page	005497 / 002207
Instrument Date	Mar 22, 2019
Instrument	38448
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 4, 2019
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,889.93
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1685 BAY BREEZE DR ST CLOUD FL 347717483, ST CLOUD, FL 34771-7483

Mortgage

Document Number	54972208
Date	Mar 27, 2019
Book Page	005497/002208
Instrument	38449

Lender

Name	COLUMBUS CAP LNDG
Type	Funding / Finance Company
Address	MIAMI, FL 33176

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 26, 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	$4,025.00 (+6.17%) Homeowner's exemption	$267,785 (+5.99%)	$326,200 (-0.82%) Land $70,000 Building $256,200
2023	$3,791.00 (+4.81%) Homeowner's exemption	$252,660 (+4.03%)	$328,900 (+21.28%) Land $65,000 Building $263,900
2022	$3,617.00 Homeowner's exemption	$242,874	$271,200 Land $55,000 Building $216,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AH, within 500 ft
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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