3521 Bay Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3521 Bay Ct, Saint Cloud, FL 34769

Property Summary

Property Type	Townhouse
Details	2 bd · 3 ba · 1,359 sqft · built 1985
Lot Size	0.021 acres (915 sqft)
Owner	Individual Name on Record
Last Sale	$257,000 (Sep 2024)
Tax Bill	$3,560 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`83329`

Property Details

APN / Parcel Number

Primary APN	`83329`
Alternative APN	`092630061200010060`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,359 sqft Heated Area
Gross Area	1,584 sqft
1st Floor Area	657 sqft
Upper Floors Area	702 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	915 sqft (0.021 acres)
Lot Dimensions	49 ft deep x 18 ft wide
Porch	Open Porch
Porch Area	225 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	83329
Street Address	3521 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 6
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	PINE LAKE VILLAS
Legal Tract	612
Legal Block	1
Legal Lot Number	6
Legal Unit	II
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 December 11, 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 Record
Mailing Address	3521 BAY CT, SAINT CLOUD, FL 34769-5907
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2023	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Aug 21, 2017	Warranty Deed, Transfer · Conventional Mortgage INTERLINC MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2024 · Amount on Record
Deed Sale	Sep 16, 2024 · Amount on Record
Prior Sale	Aug 21, 2017 · Amount on Record
Deed Document Number	2024118980
Deed Book / Page	6665 / 1180
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3521 BAY CT, SAINT CLOUD, FL 34769-5907
Transaction Type	Mortgage
Record Updated	Nov 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3521 BAY CT, SAINT CLOUD, FL 34769-5907

Mortgage

Document Number	0064971688
Date	Oct 30, 2023
Book Page	6497/1688
Instrument	2023142915

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 21, 2017
Property Address	3521 BAY CT, SAINT CLOUD, FL 34769-5907
Document Number	0051970538
Book / Page	5197 / 0538
Map Reference	MB4 PG106
Instrument Date	Aug 18, 2017
Instrument	2017120586
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	A CLEAR CHOICE TITLE & ESCRO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3521 BAY CT, SAINT CLOUD, FL 34769-5907

Mortgage

Document Number	0051970539
Date	Aug 21, 2017
Instrument	5197/0539

Lender

Name	INTERLINC MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$3,560.00 (+427.41%)	$198,700 (+149.56%) Land $25,000 Building $173,700	$198,700 (-0.45%) Land $25,000 Building $173,700
2023	$675.00 (+6.64%) Homeowner's exemption	$79,619 (+3%)	$199,600 (+37.18%) Land $14,900 Building $184,700
2022	$633.00 Homeowner's exemption	$77,300	$145,500 Land $14,900 Building $130,600

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct 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 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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