6620 Bay Tree Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6620 Bay Tree Ct, Saint Cloud, FL 34771 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1987
Square Footage	2,606 sqft Living Area
Lot Size	33,628 sqft (0.772 acres)
Occupancy	Owner Occupied
Last Sale	$530,000 (2023)
Tax Bill	$6,934.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`13-26-31-2601-0001-0110`
Alternative APNs	`263113260100010110` `97519`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,606 sqft Living Area
Gross Area	3,720 sqft Gross Area
1st Floor	2,606 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Conventional Style
Exterior Material	Concrete Block Exterior
Construction Type	Masonry/Concrete Masonry Units (CMUs) Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	33,628 sqft (0.772 acres)
Depth X Width	180 ft x 200 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	624 sqft Garage

Exterior Amenities

Pool Type	In-Ground Pool Pool Type
Pool Area	360 sqft Pool
Deck Area	858 sqft Deck
Porch Area	490 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	6620 BAY TREE CT
City	SAINT CLOUD
State	FL
Zip	34771-8381
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	BAY TREE COVE PB 4 PG 74 LOT 11
Legal Range	31E
Legal Township	26S
Legal Section	13
Legal Subdivision	BAY TREE COVE
Legal Tract	2601
Legal Block	110
Legal Lot Number	11
Jurisdiction	OSCEOLA FL
Minor Civil Division	SOUTH AND EAST OSCEOLA
Census Blockgroup	1
Census Block	1007
Census Tract	43801

Owner

Source: Osceola County records · APN 13-26-31-2601-0001-0110

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 Record	Individual Name on File
Mailing Address	6620 BAY TREE CT, SAINT CLOUD, FL 34771-8381
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Single Man

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 13, 2023 · Amount on Record
Deed Sale	Mar 13, 2023 · Amount on Record
Prior Sale	Feb 12, 2015 · Amount on Record
Deed Doc Number	202329144
Deed Book / Page	6370 / 2501
Prior Transfer Date	Feb 10, 2015
Prior Transfer Doc	0047350672
Record Refreshed	Jun 08, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 13, 2023
Property Address	6620 BAY TREE CT, SAINT CLOUD, FL 34771-8381
Document Number	0063702501
Book / Page	6370 / 2501
Map Reference	MB 4 PG 74
Instrument Date	Mar 10, 2023
Instrument	2023029144
Transaction Type	Transfer
Record Updated	Mar 28, 2023
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,710.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6620 BAY TREE CT, SAINT CLOUD, FL 34771-8381

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6620 BAY TREE CT, SAINT CLOUD, FL 34771-8381

Mortgage

Document Number	0063702503
Date	Mar 13, 2023
Instrument	6370/2503

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2053

Tax Assessment & Valuation

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

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	$9,911.00 (+42.93%) Homeowner's exemption Veteran's exemption	$457,200 (+87.47%) Land $95,000 Building $362,200	$457,200 (+16.51%) Land $95,000 Building $362,200
2024	$6,934.00 (+100.06%)
2023	$3,466.00 (+4.27%) Homeowner's exemption	$243,882 (+3%)	$392,400 (+12.5%) Land $90,000 Building $302,400
2022	$3,324.00 Homeowner's exemption	$236,779	$348,800 Land $90,000 Building $258,800

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 A
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	Not determined for this zone

Wildfire

Wildfire Risk	High above 78% of the US · above 67% of Florida
Wildfire Likelihood	About 1 in 218 per year
Exposure	Direct burnable vegetation at the parcel

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