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TownhouseResidential
$245,403$181 / 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 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $234,000 on Jan 27, 2023

3620 BAY CT

SAINT CLOUD, FL 34769
2
Beds
3 / 1
Baths
1,359 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.
828 ft²
Lot SizeThe size of the land the home sits on, from county records.
1984
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$245K
$226K low$264K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$234,000 · Jan 27, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,777 (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.$142,145 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$138,139
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$201,500

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.51
25
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
25
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.6 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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.0.2 percent flood zone

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.0.02
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 · 225 ft²

Transaction History(1)

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 · 1.0 mi
H
Saint Cloud High SchoolC-
High · Grades 9–12 · 2.0 mi
M
Saint Cloud Middle SchoolB+
Middle · Grades 6–8 · 2.2 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.28,746
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.$73,979
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%

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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

3620 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 88% of homes in Osceola County
  • Costs less per square foot than 77% of homes in Saint Cloud 34769
  • Smaller than 79% of homes in Osceola County
  • Has a smaller lot than 98% of homes in Saint Cloud 34769
  • Older than 88% 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
$145K$502K

This home is worth more than 17% 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$245,403
CheaperTypical $304,870Pricier

Pricier than 17% of homes nearby

Price per ft²$181
CheaperTypical $212Pricier

Pricier than 23% of homes nearby

Living area1,359 ft²
SmallerTypical 1,441 ft²Bigger

Bigger than 43% of homes nearby

Lot size828 ft²
SmallerTypical 0.17 acBigger

Bigger than 2% of homes nearby

Year built1984
OlderTypical 1988Newer

Newer than 45% of homes nearby

How 3620 Bay Ct ranks against every home in each area.
MeasureThis homeSaint Cloud 34769Osceola County
Estimated valuepricier than$245,40317% of homes12% of homes
Price per ft²pricier than$18123% of homes32% of homes
Living areabigger than1,359 ft²43% of homes21% of homes
Lot sizebigger than828 ft²2% of homes7% of homes
Year builtnewer than198445% of homes12% of homes

About 3620 Bay Ct

How much is 3620 Bay Ct, Saint Cloud, FL worth?

The TopHap Estimate for 3620 Bay Ct, Saint Cloud, FL is $245,403 as of Aug 30, 2026. The likely range is $226,366 to $264,440. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3620 Bay Ct, Saint Cloud, FL last sell?

3620 Bay Ct, Saint Cloud, FL last sold on Jan 27, 2023 for $234,000, according to the county's recorded deed.

How big is 3620 Bay Ct, Saint Cloud, FL?

3620 Bay Ct, Saint Cloud, FL has 2 bedrooms, 3 bathrooms, 1,359 square feet of living space and a 0.02-acre lot.

When was 3620 Bay Ct, Saint Cloud, FL built?

3620 Bay Ct, Saint Cloud, FL was built in 1984, making it 42 years old. The building has 2 stories.

What schools serve 3620 Bay Ct, Saint Cloud, FL?

3620 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 3620 Bay Ct, Saint Cloud, FL compare to other homes in Saint Cloud 34769?

Among the 9,489 homes in Saint Cloud 34769, it is worth more than 17% of them ($245,403 against a typical $304,870), its price per square foot is higher than 23% of them ($181 against a typical $212), it is bigger than 43% of them (1,359 ft² against a typical 1,441 ft²), its lot is bigger than 2% of them (828 ft² against a typical 0.17 ac) and it is newer than 45% of them (1984 against a typical 1988). Measured against all of Osceola County, it is worth more than 12% 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 3620 Bay Ct, Saint Cloud, FL?

The 2025 property tax bill for 3620 Bay Ct, Saint Cloud, FL was $1,777. The county assessed it at $142,145.

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