Osceola County property record for 3194 Bayview Ln, Saint Cloud, FL 34772 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2007 |
| Square Footage | 2,370 sqft Living Area |
| Lot Size | 12,763 sqft (0.293 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $487,750 (2025) |
| Tax Bill | $4,245.00 (2025) |
| Primary APN | 26-26-30-0629-0001-2790 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,370 sqft Living Area |
| Gross Area | 3,258 sqft Gross Area |
| 1st Floor Area | 2,370 sqft 1st Floor |
| Stories | 1 Story |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,763 sqft (0.293 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached |
| Garage Area | 594 sqft Garage |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 450 sqft Pool |
| Deck Area | 401 sqft Deck |
| Porch | Slab |
| Porch Area | 294 sqft Porch |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3194 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 279 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 26 |
| Legal Subdivision | SAWGRASS UNIT 4 |
| Legal Tract | 629 |
| Legal Block | 2790 |
| Legal Lot Number | 279 |
| 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 26-26-30-0629-0001-2790
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 | 3194 BAYVIEW LN, SAINT CLOUD, FL 34772-8508 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Dec 21, 2022 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Dec 17, 2025 | Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP |
| Sep 20, 2018 | Intrafamily Transfer, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 17, 2025 · Amount on Record |
| Deed Sale | Dec 17, 2025 · Amount on Record |
| Prior Sale | Nov 02, 2016 · Amount on Record |
| Deed Document Number | 2025154489 |
| Deed Book / Page | 6895 / 1925 |
| Prior Transfer Date | Sep 14, 2018 |
| Prior Transfer Doc | 0054031762 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3194 BAYVIEW LN, SAINT CLOUD, FL 34772-8508 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3194 BAYVIEW LN, SAINT CLOUD, FL 34772-8508 |
| Document Number | 0063332254 |
|---|---|
| Date | Dec 21, 2022 |
| Book Page | 6333/2254 |
| Instrument | 2022182850 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 479 Months |
| Due | Nov 01, 2062 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 17, 2025 |
| Property Address | 3194 BAYVIEW LN, SAINT CLOUD, FL 34772-8508 |
| Document Number | 0068951925 |
| Book / Page | 6895 / 1925 |
| Map Reference | MB 13 PG 1&2 |
| Instrument Date | Dec 12, 2025 |
| Instrument | 2025154489 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2025 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,414.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2071 FAWN MEADOW CIR, SAINT CLOUD, FL 34772-9189 |
| Name | Verified Name |
|---|---|
| Address | 3194 BAYVIEW LN, SAINT CLOUD, FL 34772-8508 |
| Document Number | 0068951927 |
|---|---|
| Date | Dec 17, 2025 |
| Instrument | 6895/1927 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2056 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 20, 2018 |
| Property Address | 3194 BAYVIEW LN, SAINT CLOUD, FL 34772-8508 |
| Document Number | 0054031762 |
| Book / Page | 5403 / 1762 |
| Map Reference | MB13 PG1&2 |
| Instrument Date | Sep 14, 2018 |
| Instrument | 2018141247 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 3194 BAYVIEW LN, SAINT CLOUD, FL 34772-8508 |
| Document Number | 2018141250 |
|---|---|
| Date | Sep 20, 2018 |
| Instrument | 2018141250 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2048 |
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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,245.00 (+3.54%) | $285,047 (+5.99%) | $454,600 (+5.52%) Land $75,000 Building $379,600 |
| 2024 | $4,100.00 (+2.65%) | ||
| 2023 | $3,994.00 (+3.58%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $268,946 (+3%) | $430,800 (+14.12%) Land $60,000 Building $370,800 |
| 2022 | $3,856.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $261,113 | $377,500 Land $60,000 Building $317,500 |
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 44% of the US · above 14% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,064 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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