Osceola County property record for 3701 Bay Ct, Saint Cloud, FL 34769 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1984 |
| Square Footage | 1,136 sqft Living Area |
| Lot Size | 1,437 sqft (0.033 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $220,000 (2025) |
| Tax Bill | $655.00 (2024) |
| Primary APN | 09-26-30-0610-000A-0260 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,136 sqft Living Area |
| Gross Area | 1,418 sqft Gross Area |
| 1st Floor | 1,136 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| 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 | 1,437 sqft (0.033 acres) |
| Depth X Width | 56 ft x 25 ft Depth x Width |
| Porch Area | 282 sqft Porch |
| Cooling System | Wall Unit Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3701 BAY CT |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-5931 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PINE LAKE VILLAS PB 4 PG 62 BLK A LOT 26 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 09 |
| Legal Subdivision | PINE LAKE VILLAS |
| Legal Tract | 610 |
| Legal Block | A |
| Legal Lot Number | 26 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1000 |
| Census Tract | 43208 |
Source: Osceola County records · APN 09-26-30-0610-000A-0260
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 | 3701 BAY CT, SAINT CLOUD, FL 34769-5931 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Single Man |
| Date | Document |
|---|---|
| Oct 03, 2025 | Warranty Deed, Transfer · Conventional Mortgage FOUNDATION MORTGAGE CORP |
| Jun 08, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage US BANK NA |
| Aug 31, 2017 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage THE FEDERAL SAVINGS BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 03, 2025 · Amount on Record |
| Deed Sale | Oct 03, 2025 · Amount on Record |
| Prior Sale | Aug 31, 2017 · Amount on Record |
| Deed Doc Number | 2025121793 |
| Deed Book / Page | 6857 / 2174 |
| Prior Transfer Date | May 15, 2020 |
| Prior Transfer Doc | 0057332150 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 03, 2025 |
| Property Address | 3701 BAY CT, SAINT CLOUD, FL 34769-5931 |
| Document Number | 0068572174 |
| Book / Page | 6857 / 2174 |
| Map Reference | MB 4 PG 62 |
| Instrument Date | Sep 29, 2025 |
| Instrument | 2025121793 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,540.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3240 FISH HAWK DR, POLK CITY, FL 33868-5304 |
| Name | Verified Name |
|---|---|
| Address | 3701 BAY CT, SAINT CLOUD, FL 34769-5931 |
| Document Number | 0068572176 |
|---|---|
| Date | Oct 03, 2025 |
| Instrument | 6857/2176 |
| Name | FOUNDATION MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 08, 2020 |
| Property Address | 3701 BAY CT, SAINT CLOUD, FL 34769-5931 |
| Document Number | 0057332150 |
| Book / Page | 5733 / 2150 |
| Map Reference | MB 4 PG 62 |
| Instrument Date | May 15, 2020 |
| Instrument | 2020073161 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | RADIAN SETTLEMENT SVCS INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 3701 BAY CT, SAINT CLOUD, FL 34769-5931 |
| Document Number | 0057332154 |
|---|---|
| Date | Jun 08, 2020 |
| Instrument | 5733/2154 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 31, 2017 |
| Property Address | 3701 BAY CT, SAINT CLOUD, FL 34769-5931 |
| Document Number | 0052030634 |
| Book / Page | 5203 / 0634 |
| Map Reference | MB4 PG62 |
| Instrument Date | Aug 30, 2017 |
| Instrument | 2017126158 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | STEWART TITLE COMPANY |
| 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 | 2512 VOLTA CIR, 2512, KISSIMMEE, FL 34746-3464 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 1401 BUDINGER AVE, SAINT CLOUD, FL 34769-4122 |
| Document Number | 0052030635 |
|---|---|
| Date | Aug 31, 2017 |
| Instrument | 5203/0635 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2047 |
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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $687.00 (+4.89%) | $81,295 (+2.9%) | $191,300 (-2.15%) Land $25,000 Building $166,300 |
| 2024 | $655.00 (+5.31%) Homeowner's exemption | $79,004 (+3%) | $195,500 (+1.93%) Land $25,000 Building $170,500 |
| 2023 | $622.00 (+5.6%) Homeowner's exemption | $76,703 (+3%) | $191,800 (+37.1%) Land $14,900 Building $176,900 |
| 2022 | $589.00 Homeowner's exemption | $74,469 | $139,900 Land $14,900 Building $125,000 |
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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