3632 Bay Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3632 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 (2022)
Tax Bill	$2,229.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`0926300610000A0180`
Alternative APN	`83315`

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	83315
Street Address	3632 BAY CT
City	SAINT CLOUD
State	FL
Zip	34769-5931
Property Usage	Residential Property Usage
Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	PINE LAKE VILLAS PB 4 PG 62 LOT 18 BLD A
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	PINE LAKE VILLAS
Legal Tract	610
Legal Block	A
Legal Lot Number	18
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1000
Census Tract	43208

Owner

Source: Osceola County records · APN 0926300610000A0180

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	3632 BAY CT, SAINT CLOUD, FL 34769-5931
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	Jul 27, 2022 · Amount on Record
Deed Sale	Jul 27, 2022 · Amount on Record
Prior Sale	Jul 22, 2011 · Amount on Record
Deed Doc Number	2022115116
Deed Book / Page	6258 / 1168
Record Refreshed	Jun 08, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 27, 2022
Property Address	3632 BAY CT, SAINT CLOUD, FL 34769-5931
Document Number	0062581168
Book / Page	6258 / 1168
Map Reference	MB 4 PG 62
Instrument Date	Jul 26, 2022
Instrument	2022115116
Transaction Type	Transfer
Record Updated	Aug 09, 2022
Title Company	MAGNOLIA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,645.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4205 TURTLE GRASS CT, 4205, SAINT CLOUD, FL 34772-7743

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3632 BAY CT, SAINT CLOUD, FL 34769-5931

Mortgage

Document Number	0062581169
Date	Jul 27, 2022
Instrument	6258/1169

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 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	$2,229.00 (-9.61%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$184,100 (-) Land $25,000 Building $159,100	$184,100 (-) Land $25,000 Building $159,100
2023	$2,466.00 Homeowner's exemption Disabled Person's exemption	$184,100 Land $14,900 Building $169,200	$184,100 Land $14,900 Building $169,200

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.