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3513 Bay Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3513 Bay Ct, Saint Cloud, FL 34769

Property Summary

Property TypeTownhouse
Details2 bd · 1 ba · 884 sqft · built 1985
Lot Size0.026 acres (1,176 sqft)
OwnerIndividual Name on Record
Last Sale$215,000 (Feb 2023)
Tax Bill$1,941 (2025)
Deeds & MortgagesFeb 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN83327

Property Details

APN / Parcel Number

Primary APN83327
Alternative APN
  • 092630061200010040

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area884 sqft Heated Area
Gross Area1,150 sqft
1st Floor Area884 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1985
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area1,176 sqft (0.026 acres)
Lot Dimensions46 ft deep x 25 ft wide
PorchOpen Porch
Porch Area266 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number83327
Street Address3513 BAY CT
CitySAINT CLOUD
StateFL
Zip34769-5907
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Local Zoning CodeSPUD
Legal DescriptionPINE LAKE VILLAS UNIT II PB 4 PG 106 LOT 4
Legal Range30E
Legal Township26S
Legal Section09
Legal SubdivisionPINE LAKE VILLAS
Legal Tract612
Legal Block1
Legal Lot Number4
Legal UnitII
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1000
Census Tract43208

Owner

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address3513 BAY CT, SAINT CLOUD, FL 34769-5907
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 6, 2023 · Amount on Record
Deed SaleFeb 6, 2023 · Amount on Record
Deed Document Number2023014688
Deed Book / Page6354 / 1911
Record UpdatedJun 8, 2026

February 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 6, 2023
Property Address3513 BAY CT, SAINT CLOUD, FL 34769-5907
Document Number0063541911
Book / Page6354 / 1911
Map ReferenceMB 4 PG 106
Instrument DateFeb 3, 2023
Instrument2023014688
Transaction TypeTransfer
Record UpdatedMar 1, 2023
Title CompanyA CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE T&E OF OSCEOL

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,505.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4166 CLIMBING ASTER CT, SAINT CLOUD, FL 34772-7701

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address3513 BAY CT, SAINT CLOUD, FL 34769-5907

Mortgage

Document Number0063541912
DateFeb 6, 2023
Instrument6354/1912
Lender
NameCROSSCOUNTRY MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 1, 2053

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,941.00 (-8.62%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption$168,000 (+0.6%) Land $25,000 Building $143,000$168,000 (+0.6%) Land $25,000 Building $143,000
2023$2,124.00 (+20.07%)$167,000 (+36.77%) Land $14,900 Building $152,100$167,000 (+36.77%) Land $14,900 Building $152,100
2022$1,769.00$122,100 Land $14,900 Building $107,200$122,100 Land $14,900 Building $107,200

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 29 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies35 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 RiskLow
lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood0.07% annual chance
ExposureDirect
burnable vegetation

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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

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

May also be available: CenturyLink, Verizon.

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