Osceola County property record for 3613 Bay Ct, Saint Cloud, FL 34769 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1985 |
| Square Footage | 884 sqft Living Area |
| Lot Size | 1,176 sqft (0.027 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $210,000 (2022) |
| Tax Bill | $3,100.00 (2024) |
| Primary APN | 09-26-30-0612-0001-0130 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Baths |
| Building Area | 884 sqft Living Area |
| Gross Area | 1,150 sqft Gross Area |
| 1st Floor | 884 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Conventional Style |
| 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 | 1,176 sqft (0.027 acres) |
| Depth X Width | 46 ft x 25 ft Depth x Width |
| Porch Area | 266 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3613 BAY CT |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-5908 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PINE LAKE VILLAS UNIT II PB 4 PG 106 LOT 13 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 09 |
| Legal Subdivision | PINE LAKE VILLAS UNIT 2 |
| Legal Tract | 612 |
| Legal Block | 130 |
| Legal Lot Number | 13 |
| 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 09-26-30-0612-0001-0130
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 | Individual Name on File |
|---|---|
| Mailing Address | 3613 BAY CT, SAINT CLOUD, FL 34769-5908 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Single Man |
| Date | Document |
|---|---|
| Jul 19, 2022 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage AMERIFIRST FINANCIAL CORP |
| Jan 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP |
| Dec 03, 2018 | Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 19, 2022 · Amount on Record |
| Deed Sale | Jul 19, 2022 · Amount on Record |
| Prior Sale | Dec 03, 2018 · Amount on Record |
| Deed Doc Number | 2022111003 |
| Deed Book / Page | 6254 / 104 |
| Prior Transfer Date | Dec 20, 2013 |
| Prior Transfer Doc | 0045510605 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 19, 2022 |
| Property Address | 3613 BAY CT, SAINT CLOUD, FL 34769-5908 |
| Document Number | 0062540104 |
| Book / Page | 6254 / 104 |
| Map Reference | MB 4 PG 106 |
| Instrument Date | Jul 13, 2022 |
| Instrument | 2022111003 |
| Transaction Type | Transfer |
| Record Updated | Aug 03, 2022 |
| Title Company | CORE TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,470.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1852 ASHTON PARK PL, 1852, SAINT CLOUD, FL 34771-1701 |
| Name | Verified Name |
|---|---|
| Address | 3613 BAY CT, SAINT CLOUD, FL 34769-5908 |
| Document Number | 0006254106 |
|---|---|
| Date | Jul 19, 2022 |
| Instrument | 6254/106 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3613 BAY CT, SAINT CLOUD, FL 34769-5908 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1852 ASHTON PARK PL, SAINT CLOUD, FL 34771-1701 |
| Document Number | 0058752044 |
|---|---|
| Date | Jan 22, 2021 |
| Book Page | 5875/2044 |
| Instrument | 2021010110 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | PEWAUKEE, WI 53072 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 03, 2018 |
| Property Address | 3613 BAY CT, SAINT CLOUD, FL 34769-5908 |
| Document Number | 0054410479 |
| Book / Page | 5441 / 0479 |
| Map Reference | MB4 PG106 |
| Instrument Date | Nov 30, 2018 |
| Instrument | 2018175909 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | STEWART TITLE CO |
| 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 | 892 GRAPE AVE, 892, SAINT CLOUD, FL 34769-3027 |
| Name | Verified Name |
|---|---|
| Address | 1852 ASHTON PARK PL, SAINT CLOUD, FL 34771-1701 |
| Document Number | 2018175910 |
|---|---|
| Date | Dec 03, 2018 |
| Instrument | 2018175910 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2048 |
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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,271.00 (-26.74%) Homeowner's exemption | $169,800 (+0.53%) Land $25,000 Building $144,800 | $169,800 (+0.53%) Land $25,000 Building $144,800 |
| 2024 | $3,100.00 (+1.81%) | ||
| 2023 | $3,045.00 (+70.3%) | $168,900 (+36.76%) Land $14,900 Building $154,000 | $168,900 (+36.76%) Land $14,900 Building $154,000 |
| 2022 | $1,788.00 | $123,500 Land $14,900 Building $108,600 | $123,500 Land $14,900 Building $108,600 |
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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