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6535 Bay Tree Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6535 Bay Tree Ct, Saint Cloud, FL 34771 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3 Baths
Year BuiltBuilt 1992
Square Footage2,320 sqft Living Area
Lot Size27,834 sqft (0.639 acres)
OccupancyOwner Occupied
Last Sale$510,000 (2023)
Tax Bill$3,594.00 (2024)

Property Details

APN / Parcel Number

Primary APN13-26-31-2601-0001-0010
Alternative APNs
  • 263113260100010010
  • 97507

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area2,320 sqft Living Area
Gross Area2,764 sqft Gross Area
1st Floor2,320 sqft 1st Floor
Stories1 Stories
Primary FlooringWood Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1992
Effective Year BuiltEffective 1992
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area27,834 sqft (0.639 acres)
Depth X Width180 ft x 140 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area420 sqft Garage

Exterior Amenities

Pool TypeIn-Ground Pool Pool Type
Pool Area24 sqft Pool
Shed1 Shed
Shed Area80 sqft Shed
Deck Area120 sqft Deck
Porch Area462 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address6535 BAY TREE CT
CitySAINT CLOUD
StateFL
Zip34771-8300
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionBAY TREE COVE PB 4 PG 74 LOT 1
Legal Range31E
Legal Township26S
Legal Section13
Legal SubdivisionBAY TREE COVE
Legal Tract2601
Legal Block10
Legal Lot Number1
JurisdictionOSCEOLA FL
Minor Civil DivisionSOUTH AND EAST OSCEOLA
Census Blockgroup1
Census Block1007
Census Tract43801

Owner

Source: Osceola County records · APN 13-26-31-2601-0001-0010

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 RecordIndividual Name on File
Mailing Address3461 HOME TOWN LN, SAINT CLOUD, FL 34769-1917
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Feb 09, 2023Warranty Deed, Transfer · Conventional Mortgage
THE MORTGAGE FIRM INC
Apr 20, 2020Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
CALIBER HM LOANS
Aug 21, 2019Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
CALIBER HM LOANS
Mar 16, 2018Loan Modification, Mortgage · Line of Credit
SUNTRUST BK/TALLAHASSEE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleFeb 09, 2023 · Amount on Record
Deed SaleFeb 09, 2023 · Amount on Record
Prior SaleAug 21, 2019 · Amount on Record
Deed Doc Number202316406
Deed Book / Page6356 / 1680
Record RefreshedJun 08, 2026

February 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 09, 2023
Property Address6535 BAY TREE CT, SAINT CLOUD, FL 34771-8300
Document Number0063561680
Book / Page6356 / 1680
Map ReferenceMB 4 PG 74
Instrument DateFeb 06, 2023
Instrument2023016406
Transaction TypeTransfer
Record UpdatedMar 01, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,570.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address15 GRAND RIVER LN, SIMPSONVILLE, SC 29681-4583

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address3461 HOME TOWN LN, SAINT CLOUD, FL 34769-1917

Mortgage

Document Number0063561683
DateFeb 09, 2023
Instrument6356/1683
Lender
NameTHE MORTGAGE FIRM INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term481 Months
DueMar 01, 2063

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address6535 BAY TREE CT, SAINT CLOUD, FL 34771-8300
Document Number0057121413
Instrument DateApr 20, 2020
Transaction TypeMortgage
Record UpdatedJun 23, 2020
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address6535 BAY TREE CT ST CLOUD FL 347718300, ST CLOUD, FL 34771-8300

Mortgage

Document Number0057121413
DateApr 23, 2020
Book Page005712/001413
Instrument55611
Lender
NameCALIBER HM LOANS
TypeFunding / Finance Company
AddressCOPPELL, TX 75019
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueApr 22, 2050

August 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 21, 2019
Property Address6535 BAY TREE CT, SAINT CLOUD, FL 34771-8300
Document Number0055762514
Book / Page005576 / 002514
Instrument DateAug 19, 2019
Instrument108214
Transaction TypeTransfer
Record UpdatedAug 30, 2019
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,135.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address6535 BAY TREE CT ST CLOUD FL 347718300, ST CLOUD, FL 34771-8300

Mortgage

Document Number55762516
DateAug 21, 2019
Book Page005576/002516
Instrument108215
Lender
NameCALIBER HM LOANS
TypeFunding / Finance Company
AddressCOPPELL, TX 75019
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueAug 20, 2049

March 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address6535 BAY TREE CT, SAINT CLOUD, FL 34771-8300
Document Number0053071942
Instrument DateMar 16, 2018
Transaction TypeMortgage
Record UpdatedApr 17, 2018
Title CompanyAMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address6535 BAY TREE CT ST CLOUD FL 347718300, ST CLOUD, FL 34771-8300

Mortgage

Document Number0053071942
DateMar 27, 2018
Book Page005307/001942
Instrument48986
Lender
NameSUNTRUST BK/TALLAHASSEE
TypeBank
AddressORLANDO, FL 32809
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueMar 26, 2048
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$3,781.00 (+5.2%) Homeowner's exemption$262,358 (+18.55%)$401,900 (+24.81%) Land $85,000 Building $316,900
2024$3,594.00 (+14.06%)
2023$3,151.00 (-23.07%) Homeowner's exemption$221,313 (+3%)$322,000 (+12.47%) Land $55,000 Building $267,000
2022$4,096.00 Homeowner's exemption$214,867$286,300 Land $55,000 Building $231,300

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskHigh
above 74% of the US · above 60% of Florida
Wildfire LikelihoodAbout 1 in 207 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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