3532 Bay Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3532 Bay Ct, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property Type	Residential > Condominium / Townhouse > Townhouse
Bedrooms	2 Beds
Bathrooms	2 Baths
Year Built	Built 1984
Square Footage	1,084 sqft Heated Area
Lot Size	1,394 sqft (0.032 acres)
Occupancy	Owner Occupied
Last Sale	$235,000 (2025)
Tax Bill	$2,497.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`0926300610000A0090`
Alternative APN	`83305`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,084 sqft Heated Area
Gross Area	1,350 sqft Gross Area
1st Floor	1,084 sqft 1st Floor
Stories	1 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	1,394 sqft (0.032 acres)
Depth X Width	54 ft x 25 ft Depth x Width
Porch	Open Porch
Porch Area	266 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	83305
Street Address	3532 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 9
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	PINE LAKE VILLAS
Legal Tract	610
Legal Block	A
Legal Lot Number	9
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1000
Census Tract	43208

Owner

Source: Osceola County records · APN 0926300610000A0090

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	3532 BAY CT, SAINT CLOUD, FL 34769-5929
Occupancy	Owner Occupied
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	Apr 01, 2025 · Amount on Record
Deed Sale	Apr 01, 2025 · Amount on Record
Prior Sale	Oct 31, 2022 · Amount on Record
Deed Doc Number	2025040451
Deed Book / Page	6763 / 943
Record Refreshed	Jun 08, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 31, 2022
Property Address	3532 BAY CT, SAINT CLOUD, FL 34769-5929
Document Number	0063080555
Book / Page	6308 / 555
Map Reference	MB 4 PG 62
Instrument Date	Oct 28, 2022
Instrument	2022159952
Transaction Type	Transfer
Record Updated	Mar 08, 2023
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,414.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 702557, SAINT CLOUD, FL 34770-2557

Mortgage

Document Number	0006308556
Date	Oct 31, 2022
Instrument	6308/556

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2052

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	$2,497.00 (-24.03%) Homeowner's exemption	$182,400 (+0.05%) Land $25,000 Building $157,400	$182,400 (+0.05%) Land $25,000 Building $157,400
2023	$3,287.00 (+70.75%)	$182,300 (+36.86%) Land $14,900 Building $167,400	$182,300 (+36.86%) Land $14,900 Building $167,400
2022	$1,925.00	$133,200 Land $14,900 Building $118,300	$133,200 Land $14,900 Building $118,300

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.