Osceola County property record for 3810 Gator Bay Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,833 sqft · built 2000 |
| Lot Size | 0.351 acres (15,290 sqft) |
| Owner | 2 Owner Names on Record |
| Last Sale | $257,500 (Dec 2004) |
| Tax Bill | $2,694 (2025) |
| Deeds & Mortgages | Nov 2023 Line of Credit Sep 2021 Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 88087 |
| Primary APN | 88087 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,833 sqft Heated Area |
| Gross Area | 3,668 sqft |
| 1st Floor Area | 2,521 sqft |
| Upper Floors Area | 311 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 15,290 sqft (0.351 acres) |
| Lot Dimensions | 160 ft deep x 80 ft wide |
| Garage Type | Finished |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Pool Area | 16 sqft |
| Porch | Open Porch |
| Porch Area | 373 sqft |
| Deck Area | 316 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 88087 |
|---|---|
| Street Address | 3810 GATOR BAY LN |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7386 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1B |
| Legal Description | SAWGRASS UNIT 1 PB 10 PG 140-141 LOT 63 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 26 |
| Legal Subdivision | SAWGRASS UNIT 1 |
| Legal Tract | 626 |
| Legal Block | 1 |
| Legal Lot Number | 63 |
| Legal Unit | 1P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 43304 |
Source: Osceola County records, as of December 11, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Owner Names on Record |
|---|---|
| Mailing Address | 3810 GATOR BAY LN, SAINT CLOUD, FL 34772-7386 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Nov 1, 2023 | Deed of Trust, Mortgage · Line of Credit PARTNERS FCU |
| Sep 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 6, 2004 · Amount on Record |
| Deed Sale | Dec 6, 2004 · Amount on Record |
| Prior Sale | Jun 28, 2001 · Amount on Record |
| Deed Document Number | 2004232379 |
| Deed Book / Page | 2649 / 1222 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3810 GATOR BAY LN, SAINT CLOUD, FL 34772-7386 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3810 GATOR BAY LN, SAINT CLOUD, FL 34772-7386 |
| Document Number | 0064982606 |
|---|---|
| Date | Nov 1, 2023 |
| Book Page | 6498/2606 |
| Instrument | 2023144309 |
| Name | PARTNERS FCU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32821 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 31, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3810 GATOR BAY LN, SAINT CLOUD, FL 34772-7386 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0060532154 |
|---|---|
| Date | Sep 28, 2021 |
| Book Page | 6053/2154 |
| Instrument | 2021150731 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,694.00 (+6.61%) Homeowner's exemption | $193,427 (+5.99%) | $431,900 (+4.12%) Land $75,000 Building $356,900 |
| 2023 | $2,527.00 (+3.86%) Homeowner's exemption | $182,501 (+3%) | $414,800 (+15.77%) Land $65,000 Building $349,800 |
| 2022 | $2,433.00 Homeowner's exemption | $177,186 | $358,300 Land $60,000 Building $298,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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.
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 |
| 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.
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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