3520 Bay Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3520 Bay Ct, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property Type	Residential > Condominium / Townhouse > Townhouse
Bedrooms	2 Beds
Bathrooms	3 Baths
Year Built	Built 1984
Square Footage	1,359 sqft Heated Area
Lot Size	828 sqft (0.019 acres)
Last Sale	$80,000 (2017)
Tax Bill	$2,780.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`0926300610000A0060`
Alternative APN	`83302`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Partial Baths	1 Partial Baths
Plumbing Fixtures	1 Plumbing Fixtures
Building Area	1,359 sqft Heated Area
Gross Area	1,584 sqft Gross Area
1st Floor	657 sqft 1st Floor
Upper Floors	702 sqft Upper Floors
Stories	2 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1984
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	828 sqft (0.019 acres)
Depth X Width	50 ft x 18 ft Depth x Width
Porch	Open Porch
Porch Area	225 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	83302
Street Address	3520 BAY CT
City	SAINT CLOUD
State	FL
Zip	34769-5929
Property Usage	Residential Property Usage
Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	PINE LAKE VILLAS PB 4 PG 62 BLK A LOT 6
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	PINE LAKE VILLAS
Legal Tract	610
Legal Block	A
Legal Lot Number	6
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1000
Census Tract	43208

Owner

Source: Osceola County records · APN 0926300610000A0060

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
Mailing Address	PO BOX 700141, SAINT CLOUD, FL 34770-0141
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 30, 2017 · Amount on Record
Deed Sale	Jun 30, 2017 · Amount on Record
Prior Sale	Feb 21, 1997 · Amount on Record
Deed Doc Number	0051722066
Deed Book / Page	5172 / 2066
Record Refreshed	Jun 08, 2026

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 30, 2017
Property Address	3520 BAY CT, SAINT CLOUD, FL 34769-5929
Document Number	0051722066
Book / Page	005172 / 002066
Instrument Date	Jun 30, 2017
Instrument	96073
Transaction Type	Transfer
Record Updated	Jul 31, 2017
Title Company	A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW

Transaction

Amount	Amount Recorded
Tax	$560.00
Amount Accuracy	Confirmed
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 700141 ST CLOUD FL 347700141, ST CLOUD, FL 34770-0141

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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	$2,780.00 (+10.49%)	$198,300 (-0.5%) Land $25,000 Building $173,300	$198,300 (-0.5%) Land $25,000 Building $173,300
2023	$2,516.00 (+20.27%)	$199,300 (+37.16%) Land $14,900 Building $184,400	$199,300 (+37.16%) Land $14,900 Building $184,400
2022	$2,092.00	$145,300 Land $14,900 Building $130,400	$145,300 Land $14,900 Building $130,400

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 5% of the US · above 4% of Florida
Wildfire Likelihood	About 1 in 4,348 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.