3807 Gator Bay Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3807 Gator Bay Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,992 sqft · built 2002
Lot Size	0.23 acres (10,062 sqft)
Owner	Individual Name on File
Last Sale	$279,900 (Oct 2018)
Tax Bill	$3,541 (2025)
Deeds & Mortgages	Oct 2018 Sale & Mortgage May 2017 Sale & Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`88100`

Property Details

APN / Parcel Number

Primary APN	`88100`
Alternative APN	`262630062600010760`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,992 sqft Heated Area
Gross Area	2,882 sqft
1st Floor Area	1,991 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,062 sqft (0.23 acres)
Lot Dimensions	117 ft deep x 90 ft wide
Garage Type	Finished
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	325 sqft
Porch	Open Porch
Porch Area	407 sqft
Deck Area	495 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	88100
Street Address	3807 GATOR BAY LN
City	SAINT CLOUD
State	FL
Zip	34772-7387
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	SAWGRASS UNIT 1 PB 10 PG 140-141 LOT 76
Legal Range	30E
Legal Township	26S
Legal Section	26
Legal Subdivision	SAWGRASS UNIT 1
Legal Tract	626
Legal Block	1
Legal Lot Number	76
Legal Unit	1P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2009
Census Tract	43304

Owner

3807 Gator Bay Ln is owned and occupied by an individual who bought it in October 2018.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3807 GATOR BAY LN, SAINT CLOUD, FL 34772-7387
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2018	Warranty Deed, Transfer · FHA Mortgage RP FUNDING INC
May 19, 2017	Special Warranty Deed, Transfer · FHA Mortgage LOANWISE FINANCIAL LLC
Feb 7, 2017	Grant Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2018 · Amount on File
Deed Sale	Oct 12, 2018 · Amount on File
Prior Sale	May 19, 2017 · Amount on File
Deed Document Number	2018153354
Deed Book / Page	5416 / 1826
Record Updated	Jun 8, 2026

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 12, 2018
Property Address	3807 GATOR BAY LN, SAINT CLOUD, FL 34772-7387
Document Number	0054161826
Book / Page	5416 / 1826
Map Reference	MB10 PG140
Instrument Date	Oct 9, 2018
Instrument	2018153354
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	PRESTIGE TITLE OF BREVARD

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,959.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	178 CLAIRBOURNE AVE, 178, SATELLITE BEACH, FL 32937-2108

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3807 GATOR BAY LN, SAINT CLOUD, FL 34772-7387

Mortgage

Document Number	2018153355
Date	Oct 12, 2018
Instrument	2018153355

Lender

Name	RP FUNDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

May 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 19, 2017
Property Address	3807 GATOR BAY LN, SAINT CLOUD, FL 34772-7387
Document Number	0051510239
Book / Page	5151 / 0239
Map Reference	MB10 PG140
Instrument Date	May 15, 2017
Instrument	2017074228
Transaction Type	Transfer
Record Updated	Jun 21, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,715.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5000 PLANO PKWY, 5000, CARROLLTON, TX 75010-4900

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3807 GATOR BAY LN, SAINT CLOUD, FL 34772-7387

Mortgage

Document Number	51510241
Date	May 19, 2017
Instrument	5151/0241

Lender

Name	LOANWISE FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

February 2017: Grant Deed, Foreclosure

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 7, 2017
Property Address	3807 GATOR BAY LN, SAINT CLOUD, FL 34772-7387
Document Number	0050990431
Book / Page	005099 / 000431
Instrument Date	Dec 6, 2016
Instrument	21281
Transaction Type	Foreclosure
Record Updated	Feb 27, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5000 PLANO PKWY CARROLLTON TX 750104900, CARROLLTON, TX 75010-4900

Tax Assessment & Valuation

The 2025 property tax bill for 3807 Gator Bay Ln was $3,541 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,541.00 Homeowner's exemption	$240,730	$387,400 Land $75,000 Building $312,400
2023	$3,331.00 (+3.64%) Homeowner's exemption	$227,133 (+3%)	$355,200 (+15.18%) Land $65,000 Building $290,200
2022	$3,214.00 Homeowner's exemption	$220,518	$308,400 Land $60,000 Building $248,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3807 Gator Bay Ln in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 36 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	36 in force

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.

Wildfire

Wildfire risk around 3807 Gator Bay Ln is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 340 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: CenturyLink.

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