3188 Bayview Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3188 Bayview Ln, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2003
Square Footage	1,914 sqft Heated Area
Lot Size	10,106 sqft (0.232 acres)
Occupancy	Owner Occupied
Last Sale	$390,000 (2022)
Tax Bill	$5,747.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`88270`
Alternative APN	`262630062900012820`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,914 sqft Heated Area
Gross Area	2,841 sqft Gross Area
1st Floor	1,914 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2003
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	10,106 sqft (0.232 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	506 sqft Garage
Porch	Open Porch
Porch Area	421 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	88270
Street Address	3188 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 282
Legal Range	30E
Legal Township	26S
Legal Section	26
Legal Subdivision	SAWGRASS UNIT 4
Legal Tract	629
Legal Block	1
Legal Lot Number	282
Legal Unit	4P
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	2
Census Block	2000
Census Tract	43304

Owner

Source: Osceola County records · APN 88270

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	3188 BAYVIEW LN, SAINT CLOUD, FL 34772-8508
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 07, 2022 · Amount on Record
Deed Sale	Nov 07, 2022 · Amount on Record
Prior Sale	Aug 20, 2003 · Amount on Record
Deed Doc Number	2022163213
Deed Book / Page	6312 / 386
Record Refreshed	Jun 08, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 07, 2022
Property Address	3188 BAYVIEW LN, SAINT CLOUD, FL 34772-8508
Document Number	0063120386
Book / Page	6312 / 386
Map Reference	MB 13 PG 1&2
Instrument Date	Nov 04, 2022
Instrument	2022163213
Transaction Type	Transfer
Record Updated	Nov 22, 2022
Title Company	HOMELIGHT SETTLEMENT LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,730.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1804 VELKY LN, 1804, MELBOURNE, FL 32940-8699

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 MARLBERRY LEAF AVE, KISSIMMEE, FL 34758-3692

Mortgage

Document Number	0006312388
Date	Nov 07, 2022
Instrument	6312/388

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2052

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,747.00 (+5.9%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$368,999 (+5.88%)	$369,000 (+5.88%) Land $75,000 Building $294,000
2023	$5,427.00 (+187.6%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$348,500 (+137.3%) Land $60,000 Building $288,500	$348,500 (+14.34%) Land $60,000 Building $288,500
2022	$1,887.00 Homeowner's exemption	$146,859	$304,800 Land $60,000 Building $244,800

Flood & Wildfire

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

Flood

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

Wildfire Risk	Moderate above 47% of the US · above 17% of Florida
Wildfire Likelihood	About 1 in 585 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.