Osceola County property record for 3193 Bayview Ln, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,150 sqft · built 2003 |
| Lot Size | 0.255 acres (11,108 sqft) |
| Owner | Individual Name on File |
| Last Sale | $475,000 (Sep 2023) |
| Tax Bill | $4,437 (2025) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage Feb 2022 Mortgage + 1 more |
| Flood Zone | Zone A (high risk) |
| APN | 88290 |
| Primary APN | 88290 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,150 sqft Heated Area |
| Gross Area | 2,857 sqft |
| 1st Floor Area | 2,150 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,108 sqft (0.255 acres) |
| Garage Type | Finished |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 307 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 88290 |
|---|---|
| Street Address | 3193 BAYVIEW LN |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8512 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SAWGRASS UNIT 4 PB 13 PGS 1-2 LOT 302 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 26 |
| Legal Subdivision | SAWGRASS UNIT 4 |
| Legal Tract | 629 |
| Legal Block | 1 |
| Legal Lot Number | 302 |
| Legal Unit | 4P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 43304 |
Source: Osceola County records · APN 88290
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 | 3193 BAYVIEW LN, SAINT CLOUD, FL 34772-8512 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 07, 2023 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 14, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Aug 31, 2018 | Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 07, 2023 · Amount on Record |
| Deed Sale | Sep 07, 2023 · Amount on Record |
| Prior Sale | Aug 31, 2018 · Amount on Record |
| Deed Document Number | 2023117792 |
| Deed Book / Page | 6470 / 1263 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 07, 2023 |
| Property Address | 3193 BAYVIEW LN, SAINT CLOUD, FL 34772-8512 |
| Document Number | 0064701263 |
| Book / Page | 6470 / 1263 |
| Map Reference | MB 13 PG 1 |
| Instrument Date | Sep 07, 2023 |
| Instrument | 2023117792 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2023 |
| Title Company | MAGNOLIA TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,325.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4417 13TH ST # ST114, ST114, SAINT CLOUD, FL 34769-6724 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2734 PORTCHESTER CT, KISSIMMEE, FL 34744-8554 |
| Document Number | 0064701264 |
|---|---|
| Date | Sep 07, 2023 |
| Instrument | 6470/1264 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3193 BAYVIEW LN, SAINT CLOUD, FL 34772-8512 |
| Transaction Type | Mortgage |
| Record Updated | Mar 03, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0061492578 |
|---|---|
| Date | Feb 14, 2022 |
| Book Page | 6149/2578 |
| Instrument | 2022024203 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Mar 01, 2042 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 31, 2018 |
| Property Address | 3193 BAYVIEW LN, SAINT CLOUD, FL 34772-8512 |
| Document Number | 0053941872 |
| Book / Page | 005394 / 001872 |
| Instrument Date | Jul 19, 2018 |
| Instrument | 132630 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2018 |
| Title Company | PUBLIC TITLE SERVICES LLC, PUBLIC TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,862.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3193 BAYVIEW LN ST CLOUD FL 347728512, ST CLOUD, FL 34772-8512 |
| Document Number | 53941874 |
|---|---|
| Date | Aug 31, 2018 |
| Book Page | 005394/001874 |
| Instrument | 132631 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 30, 2048 |
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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,437.00 (+23.08%) Homeowner's exemption | $290,776 (+19.99%) | $385,000 (+5.71%) Land $75,000 Building $310,000 |
| 2023 | $3,605.00 (+3.59%) Homeowner's exemption | $242,327 (+3%) | $364,200 (+14.38%) Land $60,000 Building $304,200 |
| 2022 | $3,480.00 Homeowner's exemption | $235,269 | $318,400 Land $60,000 Building $258,400 |
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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