3190 Bayview Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3190 Bayview Ln, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,132 sqft · built 2002
Lot Size	0.201 acres (8,799 sqft)
Owner	Individual Name on File
Last Sale	$449,000 (Jul 2023)
Tax Bill	$6,481 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`88269`

Property Details

APN / Parcel Number

Primary APN	`88269`
Alternative APN	`262630062900012810`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,132 sqft Heated Area
Gross Area	3,108 sqft
1st Floor Area	2,132 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,799 sqft (0.201 acres)
Garage Type	Finished
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Porch Area	496 sqft
Deck Area	378 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	88269
Street Address	3190 BAYVIEW LN
City	SAINT CLOUD
State	FL
Zip	34772-8508
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SAWGRASS UNIT 4 PB 13 PGS 1-2 LOT 281
Legal Range	30E
Legal Township	26S
Legal Section	26
Legal Subdivision	SAWGRASS UNIT 4
Legal Tract	629
Legal Block	1
Legal Lot Number	281
Legal Unit	4P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2000
Census Tract	43304

Owner

Source: Osceola County records · APN 88269

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	3190 BAYVIEW LN, SAINT CLOUD, FL 34772-8508
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 31, 2023 · Amount on Record
Deed Sale	Jul 31, 2023 · Amount on Record
Prior Sale	Jan 29, 2002 · Amount on Record
Deed Document Number	2023098500
Deed Book / Page	6448 / 2903
Record Updated	Jun 08, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 31, 2023
Property Address	3190 BAYVIEW LN, SAINT CLOUD, FL 34772-8508
Document Number	0064482903
Book / Page	6448 / 2903
Map Reference	MB 13 PG 1&2
Instrument Date	Jul 27, 2023
Instrument	2023098500
Transaction Type	Transfer
Record Updated	Aug 15, 2023
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,143.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	905 S PRICE FARM CT, MIDWAY, UT 84049-5529

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3190 BAYVIEW LN, SAINT CLOUD, FL 34772-8508

Mortgage

Document Number	0064482905
Date	Jul 31, 2023
Instrument	6448/2905

Lender

Name	FAIRWINDS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 01, 2038

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	$6,481.00 (-5.84%) Homeowner's exemption	$405,000 (+6.02%) Land $75,000 Building $330,000	$405,000 (+6.02%) Land $75,000 Building $330,000
2023	$6,883.00 (+190.79%)	$382,000 (+120.18%) Land $60,000 Building $322,000	$382,000 (+13.83%) Land $60,000 Building $322,000
2022	$2,367.00 Homeowner's exemption	$173,497	$335,600 Land $60,000 Building $275,600

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.