Osceola County property record for 3609 Bay Ct, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Residential > Condominium / Townhouse > Townhouse |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1985 |
| Square Footage | 1,084 sqft Heated Area |
| Lot Size | 1,350 sqft (0.03 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $158,000 (2021) |
| Tax Bill | $1,872.00 (2025) |
| Primary APN | 83336 |
|---|---|
| Alternative APN |
|
| 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 |
| Year Built | Built 1985 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 1,350 sqft (0.03 acres) |
| Depth X Width | 54 ft x 25 ft Depth x Width |
| Porch | Open Porch |
| Porch Area | 266 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 83336 |
|---|---|
| Street Address | 3609 BAY CT |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-5908 |
| Property Usage | Residential Property Usage |
| Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | PINE LAKE VILLAS UNIT II PB 4 PG 106 LOT 12 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 09 |
| Legal Subdivision | PINE LAKE VILLAS |
| Legal Tract | 612 |
| Legal Block | 1 |
| Legal Lot Number | 12 |
| Legal Unit | II |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1000 |
| Census Tract | 43208 |
Source: Osceola County records · APN 83336
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3609 BAY CT, SAINT CLOUD, FL 34769-5908 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 19, 2022 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage ROCKET MORTGAGE LLC |
| May 12, 2021 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage QUICKEN LOANS LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 12, 2021 · Amount on Record |
| Deed Sale | May 12, 2021 · Amount on Record |
| Prior Sale | Mar 31, 2015 · Amount on Record |
| Deed Doc Number | 2021073260 |
| Deed Book / Page | 5956 / 2375 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3609 BAY CT, SAINT CLOUD, FL 34769-5908 |
| Transaction Type | Mortgage |
| Record Updated | Sep 01, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3609 BAY CT, SAINT CLOUD, FL 34769-5908 |
| Document Number | 0062712986 |
|---|---|
| Date | Aug 19, 2022 |
| Book Page | 6271/2986 |
| Instrument | 2022127628 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 12, 2021 |
| Property Address | 3609 BAY CT, SAINT CLOUD, FL 34769-5908 |
| Document Number | 0059562375 |
| Book / Page | 5956 / 2375 |
| Map Reference | MB 4 PG 106 |
| Instrument Date | May 07, 2021 |
| Instrument | 2021073260 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2021 |
| Title Company | LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,106.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 892 GRAPE AVE, 892, SAINT CLOUD, FL 34769-3027 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 3609 BAY CT, SAINT CLOUD, FL 34769-5908 |
| Document Number | 59562377 |
|---|---|
| Date | May 12, 2021 |
| Instrument | 5956/2377 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2051 |
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 | $1,872.00 (+7.16%) Homeowner's exemption | $147,483 (+5.99%) | $185,000 (-0.05%) Land $25,000 Building $160,000 |
| 2023 | $1,747.00 (+4.3%) Homeowner's exemption | $139,153 (+3%) | $185,100 (+37.01%) Land $14,900 Building $170,200 |
| 2022 | $1,675.00 Homeowner's exemption | $135,100 Land $14,900 Building $120,200 | $135,100 Land $14,900 Building $120,200 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
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