3625 Bay Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3625 Bay Ct, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property Type	Residential > Condominium / Townhouse > Townhouse
Bedrooms	2 Beds
Bathrooms	3 Baths
Year Built	Built 1985
Square Footage	1,359 sqft Heated Area
Lot Size	915 sqft (0.021 acres)
Occupancy	Owner Occupied
Last Sale	$181,000 (2021)
Tax Bill	$2,128.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`83340`
Alternative APN	`092630061200010160`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Partial Baths	1 Partial Baths
Building Area	1,359 sqft Heated Area
Gross Area	1,584 sqft Gross Area
1st Floor	657 sqft 1st Floor
Upper Floors	702 sqft Upper Floors
Stories	2 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

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	915 sqft (0.021 acres)
Depth X Width	49 ft x 18 ft Depth x Width
Porch	Open Porch
Porch Area	225 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	83340
Street Address	3625 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 16
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	PINE LAKE VILLAS
Legal Tract	612
Legal Block	1
Legal Lot Number	16
Legal Unit	II
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1000
Census Tract	43208

Owner

Source: Osceola County records · APN 83340

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	10751 WHARTON CT, ORLANDO, FL 32821-8627
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 01, 2021 · Amount on Record
Deed Sale	Apr 01, 2021 · Amount on Record
Prior Sale	Dec 29, 2000 · Amount on Record
Deed Doc Number	2021049278
Deed Book / Page	5926 / 926
Record Refreshed	Jun 08, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 01, 2021
Property Address	3625 BAY CT, SAINT CLOUD, FL 34769-5908
Document Number	0059260926
Book / Page	5926 / 926
Map Reference	MB 4 PG 106
Instrument Date	Mar 31, 2021
Instrument	2021049278
Transaction Type	Transfer
Record Updated	Feb 08, 2022
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	$1,267.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	339 WOODLAND PL, 339, MEADVILLE, PA 16335-1255

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3625 BAY CT, SAINT CLOUD, FL 34769-5908
Investor	Possibly a Property Investor

Mortgage

Document Number	0005926927
Date	Apr 01, 2021
Instrument	5926/927

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2051

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	$2,128.00 (+6.93%) Homeowner's exemption	$161,784 (+5.99%)	$202,300 (-0.54%) Land $25,000 Building $177,300
2023	$1,990.00 (+4.13%) Homeowner's exemption	$152,646 (+3%)	$203,400 (+37.25%) Land $14,900 Building $188,500
2022	$1,911.00 Homeowner's exemption	$148,200 Land $14,900 Building $133,300	$148,200 Land $14,900 Building $133,300

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

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.