Osceola County property record for 3529 Bay Ct, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Townhouse |
|---|---|
| Details | 2 bd · 1 ba · 884 sqft · built 1986 |
| Lot Size | 0.026 acres (1,176 sqft) |
| Owner | Company Name on File |
| Last Sale | $128,000 (Jan 2019) |
| Tax Bill | $2,585 (2025) |
| Deeds & Mortgages | Jan 2019 Sale Dec 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 83331 |
| Primary APN | 83331 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 884 sqft Heated Area |
| Gross Area | 1,150 sqft |
| 1st Floor Area | 884 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 1,176 sqft (0.026 acres) |
| Lot Dimensions | 46 ft deep x 25 ft wide |
| Porch | Open Porch |
| Porch Area | 266 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 83331 |
|---|---|
| Street Address | 3529 BAY CT |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-5907 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | PINE LAKE VILLAS UNIT II PB 4 PG 106 LOT 8 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 09 |
| Legal Subdivision | PINE LAKE VILLAS |
| Legal Tract | 612 |
| Legal Block | 1 |
| Legal Lot Number | 8 |
| Legal Unit | II |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43208 |
Source: Osceola County records · APN 83331
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 | Company Name on File |
|---|---|
| Mailing Address | 1410 CHELSEA MANOR CIR, DELAND, FL 32724-8092 |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jan 08, 2019 | Warranty Deed, Transfer NONA TITLE INC |
| Dec 12, 2017 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 08, 2019 · Amount on Record |
| Deed Sale | Jan 08, 2019 · Amount on Record |
| Prior Sale | Dec 12, 2017 · Amount on Record |
| Deed Document Number | 0005460592 |
| Deed Book / Page | 5460 / 592 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 08, 2019 |
| Property Address | 3529 BAY CT, SAINT CLOUD, FL 34769-5907 |
| Document Number | 0054600592 |
| Book / Page | 005460 / 000592 |
| Instrument Date | Jan 08, 2019 |
| Instrument | 2884 |
| Transaction Type | Transfer |
| Record Updated | Jan 24, 2019 |
| Title Company | NONA TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $896.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 3529 BAY CT ST CLOUD FL 347695907, ST CLOUD, FL 34769-5907 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 12, 2017 |
| Property Address | 3529 BAY CT, SAINT CLOUD, FL 34769-5907 |
| Document Number | 0052521101 |
| Book / Page | 5252 / 1101 |
| Map Reference | MB4 PG106 |
| Instrument Date | Dec 06, 2017 |
| Instrument | 2017176282 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | PUBLIC TITLE SEVS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $875.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 3529 BAY CT, SAINT CLOUD, FL 34769-5907 |
| Document Number | 2017176283 |
|---|---|
| Date | Dec 12, 2017 |
| Instrument | 2017176283 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 02, 2048 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,585.00 (+11.81%) | $170,400 (+0.59%) Land $25,000 Building $145,400 | $170,400 (+0.59%) Land $25,000 Building $145,400 |
| 2023 | $2,312.00 (+19.3%) | $169,400 (+36.83%) Land $14,900 Building $154,500 | $169,400 (+36.83%) Land $14,900 Building $154,500 |
| 2022 | $1,938.00 | $123,800 Land $14,900 Building $108,900 | $123,800 Land $14,900 Building $108,900 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432081, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 29 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 35 units insured 6 under condo master policies |
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 231 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Verizon, Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures