Osceola County property record for 3509 Bay Ct, Saint Cloud, FL 34769
| Property Type | Townhouse |
|---|---|
| Details | 2 bd · 2 ba · 1,084 sqft · built 1985 |
| Lot Size | 0.03 acres (1,350 sqft) |
| Owner | Individual Name on File |
| Last Sale | $229,000 (Dec 2024) |
| Tax Bill | $3,315 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 83326 |
| Primary APN | 83326 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,084 sqft Heated Area |
| Gross Area | 1,350 sqft |
| 1st Floor Area | 1,084 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 1,350 sqft (0.03 acres) |
| Lot Dimensions | 54 ft deep x 25 ft wide |
| Porch | Open Porch |
| Porch Area | 266 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 83326 |
|---|---|
| Street Address | 3509 BAY CT |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-5907 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | SPUD |
| Legal Description | PINE LAKE VILLAS UNIT II PB 4 PG 106 LOT 3 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 09 |
| Legal Subdivision | PINE LAKE VILLAS |
| Legal Tract | 612 |
| Legal Block | 1 |
| Legal Lot Number | 3 |
| Legal Unit | II |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43208 |
Source: Osceola County assessment roll, as of July 1, 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 |
|---|---|
| Mailing Address | 5659 JONES RD, SAINT CLOUD, FL 34771-9547 |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 5, 2024 · Amount on Record |
| Deed Sale | Dec 5, 2024 · Amount on Record |
| Prior Sale | Jul 1, 2015 · Amount on Record |
| Deed Document Number | 2024153003 |
| Deed Book / Page | 6705 / 1426 |
| Record Updated | Jun 8, 2026 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,315.00 (+41.55%) | $185,000 (-0.05%) Land $25,000 Building $160,000 | $185,000 (-0.05%) Land $25,000 Building $160,000 |
| 2023 | $2,342.00 (+20.16%) | $185,100 (+37.01%) Land $14,900 Building $170,200 | $185,100 (+37.01%) Land $14,900 Building $170,200 |
| 2022 | $1,949.00 | $135,100 Land $14,900 Building $120,200 | $135,100 Land $14,900 Building $120,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 |
| 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.
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: Lumen Technologies, Verizon.
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