Osceola County property record for 3189 Bayview Ln, Saint Cloud, FL 34772 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2002 |
| Square Footage | 2,241 sqft Living Area |
| Lot Size | 13,721 sqft (0.315 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $498,900 (2026) |
| Tax Bill | $4.00 (2025) |
| Primary APN | 26-26-30-0629-0001-3010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,241 sqft Living Area |
| Gross Area | 3,152 sqft Gross Area |
| 1st Floor | 2,241 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 13,721 sqft (0.315 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 506 sqft Garage |
| Pool Type | In-Ground Pool Pool Type |
|---|---|
| Pool Area | 450 sqft Pool |
| Deck Area | 540 sqft Deck |
| Porch Area | 405 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3189 BAYVIEW LN |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8512 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SAWGRASS UNIT 4 PB 13 PGS 1-2 LOT 301 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 26 |
| Legal Subdivision | SAWGRASS UNIT 4 |
| Legal Tract | 629 |
| Legal Block | 3010 |
| Legal Lot Number | 301 |
| 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 26-26-30-0629-0001-3010
Assessment roll updated November 26, 2025 · Last verified July 2026
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 File |
|---|---|
| Mailing Address | 3189 BAYVIEW LN, SAINT CLOUD, FL 34772-8512 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 13, 2026 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Apr 15, 2020 | Warranty Deed, Transfer STEWART TITLE |
| Aug 16, 2017 | Affidavit Death of Trustee/Successor Trustee, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 13, 2026 · Amount on Record |
| Deed Sale | Jul 13, 2026 · Amount on Record |
| Prior Sale | Apr 15, 2020 · Amount on Record |
| Deed Doc Number | 202691225 |
| Deed Book / Page | 7002 / 2707 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 13, 2026 |
| Property Address | 3189 BAYVIEW LN, SAINT CLOUD, FL 34772-8512 |
| Document Number | 0000091225 |
| Book / Page | 7002 / 2707 |
| Instrument Date | Jul 10, 2026 |
| Instrument | 202691225 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2026 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $352,722.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3189 BAYVIEW LN, SAINT CLOUD, FL 34772-8512 |
| Investor | Possibly a Property Investor |
| Document Number | 0000091226, |
|---|---|
| Date | Jul 13, 2026 |
| Instrument | 202691226 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.53% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 15, 2020 |
| Property Address | 3189 BAYVIEW LN, SAINT CLOUD, FL 34772-8512 |
| Document Number | 0057081065 |
| Book / Page | 005708 / 001065 |
| Instrument Date | Apr 15, 2020 |
| Instrument | 51129 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2020 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,240.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 3189 BAYVIEW LN ST CLOUD FL 347728512, ST CLOUD, FL 34772-8512 |
| Document Type | Affidavit Death of Trustee/Successor Trustee |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 16, 2017 |
| Property Address | 3189 BAYVIEW LN, SAINT CLOUD, FL 34772-8512 |
| Document Number | 0051952055 |
| Book / Page | 5195 / 2055 |
| Map Reference | MB13 PG1&2 |
| Instrument Date | Aug 11, 2017 |
| Instrument | 2017119037 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,065.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3189 BAYVIEW LN, 3189, SAINT CLOUD, FL 34772-8512 |
| Name | Verified Name |
|---|---|
| Address | 3189 BAYVIEW LN, SAINT CLOUD, FL 34772-8512 |
| Document Number | 0051952056 |
|---|---|
| Date | Aug 16, 2017 |
| Instrument | 5195/2056 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2047 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026
| 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4.00 Homeowner's exemption Veteran's exemption | $243,463 (+5.99%) | $422,600 (+5.68%) Land $75,000 Building $347,600 |
| 2024 | $4.00 | ||
| 2023 | $4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $229,711 (+3%) | $399,900 (+13.77%) Land $60,000 Building $339,900 |
| 2022 | $4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $223,021 | $351,500 Land $60,000 Building $291,500 |
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 40% of the US · above 12% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,667 per year |
| Exposure | Indirect within ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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