6600 Bay Tree Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6600 Bay Tree Ct, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,201 sqft · built 1987
Lot Size	0.55 acres (23,958 sqft)
Owner	Individual Name on File
Last Sale	$425,000 (Jul 2024)
Tax Bill	$5,207 (2025)
Deeds & Mortgages	Jan 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`97521`

Property Details

APN / Parcel Number

Primary APN	`97521`
Alternative APN	`132631260100010130`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Building Area	2,201 sqft Heated Area
Gross Area	3,071 sqft Gross Area
1st Floor Area	1,407 sqft 1st Floor
Upper Floors Area	544 sqft Upper Floors
Stories	2 Stories
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace
Fireplaces	1 Fireplace

Exterior

Year Built	Built 1987
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	23,958 sqft (0.55 acres)
Lot Dimensions	179 ft deep x 135 ft wide
Parking Spaces	2 Parking Spaces
Garage Type	Mixed
Garage Area	616 sqft Garage

Exterior Amenities

Fence	Fence
Shed	1 Shed
Shed Area	120 sqft Shed
Deck Area	128 sqft Deck
Porch	Porch
Porch Area	424 sqft Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	97521
Street Address	6600 BAY TREE CT
City	SAINT CLOUD
State	FL
Zip	34771-8381
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BAY TREE COVE PB 4 PG 74 LOT 13
Legal Range	31E
Legal Township	26S
Legal Section	13
Legal Subdivision	BAY TREE COVE
Legal Tract	2601
Legal Block	1
Legal Lot Number	13
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1007
Census Tract	43801

Owner

Source: Osceola County records · APN 97521

Assessment roll updated July 1, 2025 · Last verified December 2025

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
Co-owner	Verified Secondary Owner
Mailing Address	6600 BAY TREE CT, SAINT CLOUD, FL 34771-8381
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 25, 2024 · Amount on Record
Deed Sale	Jul 25, 2024 · Amount on Record
Prior Sale	Feb 10, 2015 · Amount on Record
Deed Document Number	2024097208
Deed Book / Page	6639 / 787
Record Updated	Jun 08, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6600 BAY TREE CT, SAINT CLOUD, FL 34771-8381
Transaction Type	Mortgage
Record Updated	Feb 06, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6600 BAY TREE CT, SAINT CLOUD, FL 34771-8381

Mortgage

Document Number	0069120792
Date	Jan 23, 2026
Book Page	6912/792
Instrument	2026010317

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2056

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
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	$5,207.00 (+266.95%) Homeowner's exemption	$365,300 (+275.4%) Land $95,000 Building $270,300	$365,300 (+26.36%) Land $95,000 Building $270,300
2023	$1,419.00 (+6.29%) Homeowner's exemption	$97,309 (+3%)	$289,100 (+12.53%) Land $67,500 Building $221,600
2022	$1,335.00 Homeowner's exemption	$94,475	$256,900 Land $67,500 Building $189,400

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 A, within 100 ft

Wildfire

Wildfire Risk	High above 76% of the US · above 62% of Florida
Wildfire Likelihood	About 1 in 209 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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