3712 Bay Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3712 Bay Ct, Saint Cloud, FL 34769 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,136 sqft · built 1984
Lot Size	0.033 acres (1,437 sqft)
Owner	Individual Name on File
Last Sale	$232,000 (May 2022)
Tax Bill	$2,567 (2025)
Deeds & Mortgages	May 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-26-30-0610-000A-0190`

Property Details

APN / Parcel Number

Primary APN	`09-26-30-0610-000A-0190`
Alternative APNs	`2630090610000A0190` `83316`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,136 sqft Living Area
Gross Area	1,418 sqft
1st Floor Area	1,136 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,437 sqft (0.033 acres)
Lot Dimensions	56 ft deep x 25 ft wide
Porch	Florida Room
Porch Area	282 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3712 BAY CT
City	SAINT CLOUD
State	FL
Zip	34769-5931
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINE LAKE VILLAS PB 4 PG 62 BLK A LOT 19
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	PINE LAKE VILLAS
Legal Tract	610
Legal Block	A
Legal Lot Number	19
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43208

Owner

Source: Osceola County records · APN 09-26-30-0610-000A-0190

Assessment roll updated November 26, 2025 · Last verified August 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	3712 BAY CT, SAINT CLOUD, FL 34769-5931
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 26, 2022 · Amount on Record
Deed Sale	May 26, 2022 · Amount on Record
Prior Sale	Jul 30, 2014 · Amount on Record
Deed Document Number	202283421
Deed Book / Page	6221 / 2517
Prior Transfer Date	Jan 03, 1998
Prior Transfer Doc	1481001534
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3712 BAY CT, SAINT CLOUD, FL 34769-5931
Transaction Type	Mortgage
Record Updated	Jan 11, 2023
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5465 MARYLEBONE DR, SAINT CLOUD, FL 34771-3902

Mortgage

Document Number	0062212518
Date	May 26, 2022
Book Page	6221/2518
Instrument	2022083422

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2052

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 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 (-1.31%) Homeowner's exemption	$186,300 (-0.16%) Land $25,000 Building $161,300	$186,300 (-0.16%) Land $25,000 Building $161,300
2023	$2,601.00 (+398.28%) Homeowner's exemption	$186,600 (+199.6%) Land $14,900 Building $171,700	$186,600 (+37%) Land $14,900 Building $171,700
2022	$522.00 Homeowner's exemption	$62,283	$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.