Osceola County property record for 3196 Bayview Ln, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2004 |
| Square Footage | 2,284 sqft Heated Area |
| Lot Size | 12,284 sqft (0.282 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $307,000 (2019) |
| Tax Bill | $4,485.00 (2025) |
| Primary APN | 88266 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,284 sqft Heated Area |
| Gross Area | 2,995 sqft Gross Area |
| 1st Floor | 2,284 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2004 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 12,284 sqft (0.282 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 400 sqft Garage |
| Pool Area | 338 sqft Pool |
|---|---|
| Deck Area | 322 sqft Deck |
| Porch | Open Porch |
| Porch Area | 311 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 88266 |
|---|---|
| Street Address | 3196 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 278 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 26 |
| Legal Subdivision | SAWGRASS UNIT 4 |
| Legal Tract | 629 |
| Legal Block | 1 |
| Legal Lot Number | 278 |
| 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 88266
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 | 3196 BAYVIEW LN, SAINT CLOUD, FL 34772-8508 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 01, 2019 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 14, 2018 | Deed of Trust, Mortgage · Veterans Administration Mortgage USAA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 01, 2019 · Amount on Record |
| Deed Sale | May 01, 2019 · Amount on Record |
| Prior Sale | Dec 28, 2010 · Amount on Record |
| Deed Doc Number | 2019055832 |
| Deed Book / Page | 5517 / 0719 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 01, 2019 |
| Property Address | 3196 BAYVIEW LN, SAINT CLOUD, FL 34772-8508 |
| Document Number | 0055170719 |
| Book / Page | 5517 / 0719 |
| Map Reference | MB 13 PG 1&2 |
| Instrument Date | Apr 25, 2019 |
| Instrument | 2019055832 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | GOLD STAR TITLE & ESCROW INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,149.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6943 BEARGRASS RD, 6943, HARMONY, FL 34773-9182 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 3196 BAYVIEW LN, SAINT CLOUD, FL 34772-8508 |
| Document Number | 2019055833 |
|---|---|
| Date | May 01, 2019 |
| Instrument | 2019055833 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3196 BAYVIEW LN, SAINT CLOUD, FL 34772-8508 |
| Document Number | 0054362840 |
| Instrument Date | Nov 14, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 3186 BAYVIEW LN ST CLOUD FL 347728508, ST CLOUD, FL 34772-8508 |
| Document Number | 0054362840 |
|---|---|
| Date | Nov 21, 2018 |
| Book Page | 005436/002840 |
| Instrument | 171581 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 20, 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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,485.00 (+6.1%) Homeowner's exemption | $293,473 (+5.99%) | $413,700 (+5.91%) Land $75,000 Building $338,700 |
| 2023 | $4,227.00 (+3.48%) Homeowner's exemption | $276,897 (+3%) | $390,600 (+14.01%) Land $60,000 Building $330,600 |
| 2022 | $4,085.00 Homeowner's exemption | $268,833 | $342,600 Land $60,000 Building $282,600 |
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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