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TownhouseResidential
$208,319$192 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

3501 BAY CT

SAINT CLOUD, FL 34769
2
Beds
2
Baths
1,084 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1,394 ft²
Lot SizeThe size of the land the home sits on, from county records.
1985
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$208K
$197K low$219K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$208,319
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$166,655

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,661 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$190,100 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$25,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$165,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$194,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$190,100

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.49
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
26
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
98
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
79
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
32
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.1 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Townhouse
CountyOsceola
Lot (acres)The size of the land the home sits on, from county records.0.03
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Footing
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Package
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 266 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Neptune Elementary SchoolC-
Elementary · Grades KG–5 · 1.1 mi
H
Saint Cloud High SchoolC-
High · Grades 9–12 · 1.9 mi
M
Saint Cloud Middle SchoolB+
Middle · Grades 6–8 · 2.1 mi

District: Osceola County School District

Neighborhood · ZIP 34769These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.107
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.150
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.24

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.28,745
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.3,160 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$59,606
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$73,978
Average tempThe average temperature here across a full year.72°F
Annual precipHow much rain and melted snow falls here in a typical year.50 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.64%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

3501 Bay Ct measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 93% of homes in Osceola County
  • Costs less per square foot than 71% of homes in Saint Cloud 34769
  • Smaller than 92% of homes in Osceola County
  • Has a smaller lot than 95% of homes in Saint Cloud 34769
  • Older than 86% of homes in Osceola County

What homes are worth in Saint Cloud 34769

Each bar is how many homes fall in that price range. The marker is this home.

This home
$126K$531K

This home is worth more than 8% of homes in Saint Cloud 34769.

How it measures up in Saint Cloud 34769

The dot is this home. The mark in the middle is the typical home in Saint Cloud 34769.

Estimated value$208,319
CheaperTypical $311,741Pricier

Pricier than 8% of homes nearby

Price per ft²$192
CheaperTypical $216Pricier

Pricier than 29% of homes nearby

Living area1,084 ft²
SmallerTypical 1,438 ft²Bigger

Bigger than 20% of homes nearby

Lot size1,394 ft²
SmallerTypical 0.17 acBigger

Bigger than 5% of homes nearby

Year built1985
OlderTypical 1988Newer

Newer than 47% of homes nearby

How 3501 Bay Ct ranks against every home in each area.
MeasureThis homeSaint Cloud 34769Osceola County
Estimated valuepricier than$208,3198% of homes7% of homes
Price per ft²pricier than$19229% of homes44% of homes
Living areabigger than1,084 ft²20% of homes8% of homes
Lot sizebigger than1,394 ft²5% of homes11% of homes
Year builtnewer than198547% of homes14% of homes

About 3501 Bay Ct

How much is 3501 Bay Ct, Saint Cloud, FL worth?

The TopHap Estimate for 3501 Bay Ct, Saint Cloud, FL is $208,319 as of Jul 14, 2026. The likely range is $197,496 to $219,142. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 3501 Bay Ct, Saint Cloud, FL?

3501 Bay Ct, Saint Cloud, FL has 2 bedrooms, 2 bathrooms, 1,084 square feet of living space and a 0.03-acre lot.

When was 3501 Bay Ct, Saint Cloud, FL built?

3501 Bay Ct, Saint Cloud, FL was built in 1985, making it 41 years old. The building has 1 story.

What schools serve 3501 Bay Ct, Saint Cloud, FL?

3501 Bay Ct, Saint Cloud, FL is assigned to Neptune Elementary School (elementary), rated C-; Saint Cloud High School (high), rated C-; Saint Cloud Middle School (middle), rated B+. All sit in Osceola County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3501 Bay Ct, Saint Cloud, FL compare to other homes in Saint Cloud 34769?

Among the 9,488 homes in Saint Cloud 34769, it is worth more than 8% of them ($208,319 against a typical $311,741), its price per square foot is higher than 29% of them ($192 against a typical $216), it is bigger than 20% of them (1,084 ft² against a typical 1,438 ft²), its lot is bigger than 5% of them (1,394 ft² against a typical 0.17 ac) and it is newer than 47% of them (1985 against a typical 1988). Measured against all of Osceola County, it is worth more than 7% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 3501 Bay Ct, Saint Cloud, FL?

The 2025 property tax bill for 3501 Bay Ct, Saint Cloud, FL was $2,661. The county assessed it at $190,100.

Closest homes

More homes in Saint Cloud 34769

Assigned schools

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