3500 Bay Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3500 Bay Ct, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,084 sqft · built 1984
Lot Size	0.032 acres (1,393 sqft)
Owner	2 Individual Names on Record
Last Sale	$62,000 (May 1996)
Tax Bill	$429 (2025)
Deeds & Mortgages	Apr 2023 Transfer Jul 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-26-30-0610-000A-0010`

Property Details

APN / Parcel Number

Primary APN	`09-26-30-0610-000A-0010`
Alternative APNs	`2630090610000A0010` `83297`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,084 sqft Living Area
Gross Area	1,350 sqft
1st Floor Area	1,084 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,393 sqft (0.032 acres)
Lot Dimensions	54 ft deep x 26 ft wide
Porch	Florida Room
Porch Area	266 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3500 BAY CT
City	SAINT CLOUD
State	FL
Zip	34769-5929
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	PINE LAKE VILLAS PB 4 PG 62 BLK A LOT 1
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	PINE LAKE VILLAS
Legal Tract	610
Legal Block	A
Legal Lot Number	1
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43208

Owner

Source: Osceola County records, as of March 6, 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 Record
Mailing Address	3500 BAY CT, SAINT CLOUD, FL 34769-5929
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Jul 22, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 22, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 1996 · Amount on Record
Deed Sale	May 24, 1996 · Amount on Record
Deed Book / Page	1327 / 2397
Prior Transfer Date	Sep 25, 1995
Prior Transfer Doc	1285000422
Record Updated	Oct 29, 2026

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Apr 27, 2023
Property Address	3500 BAY CT, SAINT CLOUD, FL 34769-5929
Document Number	0063961679
Book / Page	6396 / 1679
Map Reference	MB 4 PG 62
Instrument Date	Apr 27, 2023
Instrument	2023051995
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3500 BAY CT, SAINT CLOUD, FL 34769-5929

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3500 BAY CT, SAINT CLOUD, FL 34769-5929

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 22, 2019
Property Address	3500 BAY CT, SAINT CLOUD, FL 34769-5929
Document Number	0055600771
Book / Page	005560 / 000771
Instrument Date	Mar 29, 2019
Instrument	93961
Transaction Type	Transfer
Record Updated	Jul 31, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3500 BAY CT ST CLOUD FL 347695929, ST CLOUD, FL 34769-5929

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 22, 2019
Property Address	3500 BAY CT, SAINT CLOUD, FL 34769-5929
Document Number	0055600770
Book / Page	005560 / 000770
Instrument Date	Jan 31, 2019
Instrument	93960
Transaction Type	Transfer
Record Updated	Jul 31, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3500 BAY CT ST CLOUD FL 347695929, ST CLOUD, FL 34769-5929

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$429.00 (+2.39%) Homeowner's exemption Widower's exemption	$62,797 (+5.98%)	$182,400 (+0.05%) Land $25,000 Building $157,400
2024	$419.00 (+0.96%)
2023	$415.00 (-14.78%) Homeowner's exemption Widower's exemption	$59,251 (+3%)	$182,300 (+36.86%) Land $14,900 Building $167,400
2022	$487.00 Homeowner's exemption Widower's exemption	$57,526	$133,200 Land $14,900 Building $118,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 29 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	35 units insured incl. 6 condo units

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 231 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: CenturyLink, Verizon.

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