3525 Bay Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3525 Bay Ct, Saint Cloud, FL 34769 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	2.5 Baths
Year Built	Built 1985
Square Footage	1,359 sqft Living Area
Lot Size	914 sqft (0.021 acres)
Occupancy	Owner Occupied
Last Sale	$186,000 (2021)
Tax Bill	$2,914.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`09-26-30-0612-0001-0070`
Alternative APNs	`263009061200010070` `83330`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Building Area	1,359 sqft Living 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 1985
Effective Year Built	Effective 1985
Exterior Material	Concrete Block Exterior
Construction Type	Masonry/Concrete Masonry Units (CMUs) Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	914 sqft (0.021 acres)
Depth X Width	49 ft x 18 ft Depth x Width
Porch Area	225 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	3525 BAY CT
City	SAINT CLOUD
State	FL
Zip	34769-5907
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	PINE LAKE VILLAS UNIT II PB 4 PG 106 LOT 7
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	PINE LAKE VILLAS UNIT 2
Legal Tract	612
Legal Block	70
Legal Lot Number	7
Legal Unit	II
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1000
Census Tract	43208

Owner

Source: Osceola County records · APN 09-26-30-0612-0001-0070

Assessment roll updated November 26, 2025 · Last verified April 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 File
Mailing Address	3525 BAY CT, SAINT CLOUD, FL 34769-5907
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 10, 2021 · Amount on Record
Deed Sale	Sep 10, 2021 · Amount on Record
Prior Sale	Mar 09, 2011 · Amount on Record
Deed Doc Number	2021140552
Deed Book / Page	6040 / 2483
Prior Transfer Date	Mar 02, 2011
Prior Transfer Doc	0041021394
Record Refreshed	Jun 08, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 10, 2021
Property Address	3525 BAY CT, SAINT CLOUD, FL 34769-5907
Document Number	0060402483
Book / Page	6040 / 2483
Map Reference	MB 4 PG 106
Instrument Date	Sep 09, 2021
Instrument	2021140552
Transaction Type	Transfer
Record Updated	Aug 01, 2022
Title Company	A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE T&E OF OSCEOL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,302.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2990 OLD CANOE CREEK RD, 2990, SAINT CLOUD, FL 34772-7670

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3525 BAY CT, SAINT CLOUD, FL 34769-5907

Mortgage

Document Number	0060402484
Date	Sep 10, 2021
Instrument	6040/2484

Lender

Name	RP FUNDING INC
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2051

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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	$2,833.00 (-2.78%) Homeowner's exemption	$201,200 (-0.54%) Land $25,000 Building $176,200	$201,200 (-0.54%) Land $25,000 Building $176,200
2024	$2,914.00 (+1.04%)
2023	$2,884.00 (+8.42%) Homeowner's exemption	$202,300 (+37.25%) Land $14,900 Building $187,400	$202,300 (+37.25%) Land $14,900 Building $187,400
2022	$2,660.00	$147,400 Land $14,900 Building $132,500	$147,400 Land $14,900 Building $132,500

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 36% of the US · above 10% of Florida
Wildfire Likelihood	About 1 in 1,515 per year
Exposure	Direct burnable vegetation at the parcel

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