Osceola County property record for 3709 Bay Ct, Saint Cloud, FL 34769
| Property Type | Townhouse |
|---|---|
| Details | 2 bd · 2 ba · 1,084 sqft · built 1984 |
| Lot Size | 0.03 acres (1,350 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $126,000 (Aug 2017) |
| Tax Bill | $536 (2025) |
| Deeds & Mortgages | Mar 2026 Transfer Aug 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0926300610000A0240 |
| Primary APN | 0926300610000A0240 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,084 sqft Heated Area |
| Gross Area | 1,350 sqft |
| 1st Floor Area | 1,084 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1984 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 1,350 sqft (0.03 acres) |
| Lot Dimensions | 54 ft deep x 25 ft wide |
| Porch | Open Porch |
| Porch Area | 266 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 83321 |
|---|---|
| Street Address | 3709 BAY CT |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-5931 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | SPUD |
| Legal Description | PINE LAKE VILLAS PB 4 PG 62 BLK A LOT 24 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 09 |
| Legal Subdivision | PINE LAKE VILLAS |
| Legal Tract | 610 |
| Legal Block | A |
| Legal Lot Number | 24 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43208 |
Source: Osceola County records · APN 0926300610000A0240
Assessment roll updated July 1, 2025 · Last verified March 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3709 BAY CT, SAINT CLOUD, FL 34769-5931 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 04, 2026 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Aug 31, 2017 | Warranty Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD |
| Deed Names | 3 Verified Names on Deed |
|---|---|
| Last Sale | Aug 31, 2017 · Amount on Record |
| Deed Sale | Aug 31, 2017 · Amount on Record |
| Prior Sale | Aug 31, 2017 · Amount on Record |
| Deed Document Number | 0052030431 |
| Deed Book / Page | 5203 / 0431 |
| Last Transfer Date | Mar 04, 2026 |
| Transfer Doc | 0069310516 |
| Record Updated | Jun 08, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 04, 2026 |
| Property Address | 3709 BAY CT, SAINT CLOUD, FL 34769-5931 |
| Document Number | 0069310516 |
| Book / Page | 6931 / 516 |
| Map Reference | MB 4 PG 62 |
| Instrument Date | Feb 27, 2026 |
| Instrument | 2026028311 |
| Transaction Type | Transfer |
| Record Updated | Mar 18, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3709 BAY CT, SAINT CLOUD, FL 34769-5931 |
| Name | Verified Name |
|---|---|
| Address | 3709 BAY CT, SAINT CLOUD, FL 34769-5931 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 31, 2017 |
| Property Address | 3709 BAY CT, SAINT CLOUD, FL 34769-5931 |
| Document Number | 0052030431 |
| Book / Page | 5203 / 0431 |
| Map Reference | MB4 PG62 |
| Instrument Date | Aug 29, 2017 |
| Instrument | 2017126126 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $882.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6508 WELLE CT, 6508, SAINT CLOUD, FL 34771-8818 |
| Name | Verified Name |
|---|---|
| Address | 502 E PARK AVE, OPP, AL 36467-2221 |
| Document Number | 0052030434 |
|---|---|
| Date | Aug 31, 2017 |
| Book Page | 5203/0434 |
| Instrument | 2017126127 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77056 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2047 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified March 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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $536.00 (+8.72%) Homeowner's exemption Widower's exemption | $77,846 (+5.99%) | $182,400 (+0.05%) Land $25,000 Building $157,400 |
| 2023 | $493.00 (-12.43%) Homeowner's exemption Widower's exemption | $73,450 (+3%) | $182,300 (+36.86%) Land $14,900 Building $167,400 |
| 2022 | $563.00 Homeowner's exemption Widower's exemption | $71,311 | $133,200 Land $14,900 Building $118,300 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 29 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 35 units insured incl. 6 condo units |
| Wildfire Risk | Low lower than 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
| Lumen Technologies DSL · Fiber in parts of the area | 140 / 20 |
May also be available: Hotwire Communications, T-Mobile USA, Verizon.
Based on FCC filings for 350 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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