Osceola County property record for 3528 Bay Ct, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 884 sqft · built 1984 |
| Lot Size | 0.027 acres (1,176 sqft) |
| Owner | Company Name on File |
| Last Sale | $218,500 (May 2023) |
| Tax Bill | $3,093 (2025) |
| Deeds & Mortgages | May 2023 Sale Oct 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-26-30-0610-000A-0080 |
| Primary APN | 09-26-30-0610-000A-0080 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 884 sqft Living Area |
| Gross Area | 1,150 sqft |
| 1st Floor Area | 884 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 1,176 sqft (0.027 acres) |
| Lot Dimensions | 46 ft deep x 25 ft wide |
| Porch | Florida Room |
| Porch Area | 266 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3528 BAY CT |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-5929 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SPUD |
| Legal Description | PINE LAKE VILLAS PB 4 PG 62 BLK A LOT 8 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 09 |
| Legal Subdivision | PINE LAKE VILLAS |
| Legal Tract | 610 |
| Legal Block | A |
| Legal Lot Number | 8 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43208 |
Source: Osceola County records · APN 09-26-30-0610-000A-0080
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 | Company Name on File |
|---|---|
| Mailing Address | 2796 SILVERTHORNE TRL, SAINT CLOUD, FL 34772-7833 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| May 12, 2023 | Warranty Deed, Transfer LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC |
| Oct 29, 2019 | Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 12, 2023 · Amount on Record |
| Deed Sale | May 12, 2023 · Amount on Record |
| Prior Sale | Oct 29, 2019 · Amount on Record |
| Deed Document Number | 202361217 |
| Deed Book / Page | 6406 / 1715 |
| Prior Transfer Date | Mar 11, 2003 |
| Prior Transfer Doc | 2243001997 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 12, 2023 |
| Property Address | 3528 BAY CT, SAINT CLOUD, FL 34769-5929 |
| Document Number | 0064061715 |
| Book / Page | 6406 / 1715 |
| Map Reference | MB 4 PG 62 |
| Instrument Date | May 12, 2023 |
| Instrument | 2023061217 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2023 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,529.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2741 DAYS RD APT 31, 31, LAFAYETTE, TN 37083-5198 |
| Name | Verified Name |
|---|---|
| Address | 2796 SILVERTHORNE TRL, SAINT CLOUD, FL 34772-7833 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 29, 2019 |
| Property Address | 3528 BAY CT, SAINT CLOUD, FL 34769-5929 |
| Document Number | 0056131768 |
| Book / Page | 5613 / 1768 |
| Map Reference | MB 4 PG 62 |
| Instrument Date | Oct 10, 2019 |
| Instrument | 2019139776 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $973.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 920 LOGAN AVE, 920, BRONX, NY 10465-2122 |
| Name | Verified Name |
|---|---|
| Address | 3528 BAY CT, SAINT CLOUD, FL 34769-5929 |
| Document Number | 0056131770 |
|---|---|
| Date | Oct 29, 2019 |
| Instrument | 5613/1770 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2049 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,093.00 (-1.81%) | $172,600 (-2.1%) Land $25,000 Building $147,600 | $172,600 (-2.1%) Land $25,000 Building $147,600 |
| 2024 | $3,150.00 (+522.53%) | $176,300 (+103.08%) Land $25,000 Building $151,300 | $176,300 (+2.5%) Land $25,000 Building $151,300 |
| 2023 | $506.00 (-6.64%) Homeowner's exemption Senior Citizen's exemption Widower's exemption | $86,811 (+3%) | $172,000 (+42.86%) Land $14,900 Building $157,100 |
| 2022 | $542.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption | $84,283 | $120,400 Land $14,900 Building $105,500 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
| Lumen Technologies DSL · Fiber in parts of the area | 140 / 20 |
May also be available: Hotwire Communications, T-Mobile USA, Verizon.
Based on FCC filings for 350 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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