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3621 Bay Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3621 Bay Ct, Saint Cloud, FL 34769

Property Summary

Property TypeTownhouse
Details2 bd · 3 ba · 1,359 sqft · built 1985
Lot Size0.021 acres (915 sqft)
OwnerIndividual Name on Record
Last Sale$125,000 (Sep 2017)
Tax Bill$759 (2025)
Deeds & MortgagesSep 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN83339

Property Details

APN / Parcel Number

Primary APN83339
Alternative APN
  • 092630061200010150

Interior

Bedrooms2 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,359 sqft Heated Area
Gross Area1,584 sqft
1st Floor Area657 sqft
Upper Floors Area702 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1985
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area915 sqft (0.021 acres)
Lot Dimensions49 ft deep x 18 ft wide
PorchOpen Porch
Porch Area225 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number83339
Street Address3621 BAY CT
CitySAINT CLOUD
StateFL
Zip34769-5908
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Local Zoning CodeSPUD
Legal DescriptionPINE LAKE VILLAS UNIT II PB 4 PG 106 LOT 15
Legal Range30E
Legal Township26S
Legal Section09
Legal SubdivisionPINE LAKE VILLAS
Legal Tract612
Legal Block1
Legal Lot Number15
Legal UnitII
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1000
Census Tract43208

Owner

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address3621 BAY CT, SAINT CLOUD, FL 34769-5908
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 7, 2017 · Amount on Record
Deed SaleSep 7, 2017 · Amount on Record
Prior SaleOct 4, 2000 · Amount on Record
Deed Document Number2017129105
Deed Book / Page5206 / 1249
Record UpdatedJun 8, 2026

September 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 7, 2017
Property Address3621 BAY CT, SAINT CLOUD, FL 34769-5908
Document Number0052061249
Book / Page5206 / 1249
Map ReferenceMB4 PG106
Instrument DateAug 30, 2017
Instrument2017129105
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyCLASSIC TITLE & SOLUTIONS IN

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$875.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3516 SPRITE LN, 3516, SAINT CLOUD, FL 34772-8231

Transferred To (Grantee/Buyer)

NameVerified Name
Address3621 BAY CT, SAINT CLOUD, FL 34769-5908

Mortgage

Document Number0052061250
DateSep 7, 2017
Instrument5206/1250
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueSep 1, 2047

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$759.00 (+9.84%) Homeowner's exemption$85,333 (+5.99%)$201,200 (-0.54%) Land $25,000 Building $176,200
2023$691.00 (+6.47%) Homeowner's exemption$80,514 (+3%)$202,300 (+37.25%) Land $14,900 Building $187,400
2022$649.00 Homeowner's exemption$78,169$147,400 Land $14,900 Building $132,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 29 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies35 units insured
incl. 6 condo units

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood0.02% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 350 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Starlink
Satellite		280 / 30
CenturyLink
DSL · Fiber in parts of the area		140 / 20

May also be available: Hotwire Communications, T-Mobile, Verizon.

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