3708 Bay Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3708 Bay Ct, Saint Cloud, FL 34769 · Last verified April 2026

Property Highlights

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	$225,000 (2023)
Tax Bill	$2,643.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`09-26-30-0610-000A-0200`
Alternative APNs	`2630090610000A0200` `83317`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,136 sqft Living Area
Gross Area	1,426 sqft Gross Area
1st Floor	1,136 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

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	290 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	3708 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 20
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	PINE LAKE VILLAS
Legal Tract	610
Legal Block	A
Legal Lot Number	20
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1000
Census Tract	43208

Owner

Source: Osceola County records · APN 09-26-30-0610-000A-0200

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	3708 BAY CT, SAINT CLOUD, FL 34769-5931
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Single Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 14, 2023 · Amount on Record
Deed Sale	Apr 14, 2023 · Amount on Record
Prior Sale	Jun 08, 2010 · Amount on Record
Deed Doc Number	202343991
Deed Book / Page	6388 / 1698
Prior Transfer Date	Nov 02, 2004
Prior Transfer Doc	0026420932
Record Refreshed	Jun 08, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 14, 2023
Property Address	3708 BAY CT, SAINT CLOUD, FL 34769-5931
Document Number	0063881698
Book / Page	6388 / 1698
Map Reference	MB 4 PG 62
Instrument Date	Apr 12, 2023
Instrument	2023043991
Transaction Type	Transfer
Record Updated	May 03, 2023
Title Company	ALLIANCE TITLE COMPANY, ALLIANCE TITLE SERVICES LTD

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1115 STARLING WAY, ROCKLEDGE, FL 32955-6349

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3708 BAY CT, SAINT CLOUD, FL 34769-5931

Mortgage

Document Number	0063881700
Date	Apr 14, 2023
Instrument	6388/1700

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2053

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,567.00 (-2.88%) Homeowner's exemption	$186,300 (+209.39%) Land $25,000 Building $161,300	$186,300 (-0.16%) Land $25,000 Building $161,300
2024	$2,643.00 (+978.78%)
2023	$245.00 (-14.63%) Homeowner's exemption Senior Citizen's exemption Widower's exemption	$60,215 (+3%)	$186,600 (+37%) Land $14,900 Building $171,700
2022	$287.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption	$58,462	$136,200 Land $14,900 Building $121,300

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.