Osceola County property record for 3174 Bayview Ln, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2002 |
| Square Footage | 2,944 sqft Heated Area |
| Lot Size | 20,081 sqft (0.46 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $567,000 (2022) |
| Tax Bill | $8,165.00 (2025) |
| Primary APN | 88277 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,944 sqft Heated Area |
| Gross Area | 3,794 sqft Gross Area |
| 1st Floor | 2,944 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2002 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 20,081 sqft (0.46 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 506 sqft Garage |
| Pool Type | Spa/Hot Tub (Only) Pool Type |
|---|---|
| Pool Area | 50 sqft Pool |
| Shed | 1 Shed |
| Shed Area | 80 sqft Shed |
| Deck Area | 725 sqft Deck |
| Porch | Open Porch |
| Porch Area | 344 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 88277 |
|---|---|
| Street Address | 3174 BAYVIEW LN |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8508 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SAWGRASS UNIT 4 PB 13 PGS 1-2 LOT 289 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 26 |
| Legal Subdivision | SAWGRASS UNIT 4 |
| Legal Tract | 629 |
| Legal Block | 1 |
| Legal Lot Number | 289 |
| Legal Unit | 4P |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2000 |
| Census Tract | 43304 |
Source: Osceola County records · APN 88277
Assessment roll updated July 1, 2025 · Last verified December 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3174 BAYVIEW LN, SAINT CLOUD, FL 34772-8508 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 25, 2022 | Warranty Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK |
| Feb 24, 2017 | Loan Modification, Mortgage · Line of Credit SUNTRUST BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 25, 2022 · Amount on Record |
| Deed Sale | Apr 25, 2022 · Amount on Record |
| Prior Sale | Sep 07, 2005 · Amount on Record |
| Deed Doc Number | 2022064997 |
| Deed Book / Page | 6200 / 2091 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 25, 2022 |
| Property Address | 3174 BAYVIEW LN, SAINT CLOUD, FL 34772-8508 |
| Document Number | 0062002091 |
| Book / Page | 6200 / 2091 |
| Map Reference | MB 13 PG 1 |
| Instrument Date | Apr 22, 2022 |
| Instrument | 2022064997 |
| Transaction Type | Transfer |
| Record Updated | May 06, 2022 |
| Title Company | MAGNOLIA TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,969.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4604 BARRACUDA DR, 4604, BRADENTON, FL 34208-8482 |
| Name | Verified Name |
|---|---|
| Address | 3174 BAYVIEW LN, SAINT CLOUD, FL 34772-8508 |
| Document Number | 0062002092 |
|---|---|
| Date | Apr 25, 2022 |
| Instrument | 6200/2092 |
| Name | NORTHPOINTE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Type Change Date | May 01, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 8.37% |
| Index | Other |
| Margin | 3 |
| Max Rate | 8.37% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3174 BAYVIEW LN, SAINT CLOUD, FL 34772-8508 |
| Document Number | 0051332725 |
| Instrument Date | Feb 24, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2018 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 3174 BAYVIEW LN ST CLOUD FL 347728508, ST CLOUD, FL 34772-8508 |
| Document Number | 0051332725 |
|---|---|
| Date | Apr 18, 2017 |
| Book Page | 005133/002725 |
| Instrument | 57526 |
| Name | SUNTRUST BK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23285-5130 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 17, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,165.00 (+4.67%) Homeowner's exemption | $499,100 (+5.01%) Land $75,000 Building $424,100 | $499,100 (+5.01%) Land $75,000 Building $424,100 |
| 2023 | $7,801.00 (+14.6%) Homeowner's exemption | $475,300 (+14.61%) Land $60,000 Building $415,300 | $475,300 (+14.61%) Land $60,000 Building $415,300 |
| 2022 | $6,807.00 | $414,700 Land $60,000 Building $354,700 | $414,700 Land $60,000 Building $354,700 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone A |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Wildfire Risk | Moderate above 52% of the US · above 23% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 699 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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