1010 N Narcoossee Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1010 N Narcoossee Rd, Saint Cloud, FL 34771

Property Summary

Property Type	Medical Building
Details	4 bd · 5,560 sqft · built 2021
Lot Size	0.42 acres (18,295 sqft)
Owner	Company Name on Record
Last Sale	$2,076,500 (Jul 2026)
Tax Bill	$20,238 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Apr 2020 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-25-31-4270-000N-0070`

Property Details

APN / Parcel Number

Primary APN	`20-25-31-4270-000N-0070`
Alternative APNs	`2531204270000N0070` `91762`

Interior

Bedrooms	4 Beds
Plumbing Fixtures	19 Plumbing Fixtures
Stories	2 Stories
Building Area	5,560 sqft Gross Area
1st Floor Area	5,272 sqft
Flooring	Tile

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Material	Metal
Lot Area	18,295 sqft (0.42 acres)
Garage Area	18 sqft
Porch	Finished/Open Porch
Porch Area	280 sqft
Deck Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1010 N NARCOOSSEE RD
City	SAINT CLOUD
State	FL
Zip	34771-8779
Property Category	Commercial
Property Type	Commercial > Office > Medical Building
Local Zoning Code	OCG
Legal Description	OLD NARCOOSSEE PB 1 PG 17 BLK N LOTS 7, 9 & 11 LESS BEG AT N/L OF LOT 7 BLK N & W R/W NARCOOSSEE RD, S 149.76 FT, W 22.83 FT, N 43 DEG E 27.42 FT TO N ON-TANG CURVE, CONC W, RAD 5657 FT, CENT ANG 1 DEG (CH BEARING N 5 DEG W 130.20 FT) NWLY ALONG CURV
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	NARCOOSSEE THE TOWN OF
Legal Tract	4270
Legal Block	N,W
Legal Lot Number	7
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1032
Census Tract	43600

Owner

Source: Osceola County records, as of July 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1010 N NARCOOSSEE RD, SAINT CLOUD, FL 34771-8779
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA
Apr 20, 2020	Deed of Trust, Mortgage · Construction Mortgage CENTERSTATE BANK NA
Jan 4, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2026 · Amount on Record
Deed Sale	Jul 1, 2026 · Amount on Record
Prior Sale	Aug 27, 2013 · Amount on Record
Deed Document Number	202687055
Deed Book / Page	6998 / 4
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 1, 2026
Property Address	1010 N NARCOOSSEE RD, SAINT CLOUD, FL 34771-8779
Document Number	0000087055
Book / Page	6998 / 4
Instrument Date	Jun 29, 2026
Instrument	202687055
Transaction Type	Transfer
Record Updated	Jul 13, 2026
Title Company	A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,468,085.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	1010 N NARCOOSSEE RD, SAINT CLOUD, FL 34771-8779

Mortgage

Document Number	0000087056,
Date	Jul 1, 2026
Instrument	202687056

Lender

Name	BANK OF AMERICA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.51%
Max Rate	-1%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1010 N NARCOOSSEE RD, SAINT CLOUD, FL 34771-8779
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057102232
Date	Apr 20, 2020
Book Page	5710/2232
Instrument	2020054075

Lender

Name	CENTERSTATE BANK NA
Type	Bank
Address	SAINT CLOUD, FL 34771

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 4, 2018
Property Address	1010 N NARCOOSSEE RD, SAINT CLOUD, FL 34771-8779
Document Number	0052640695
Book / Page	005264 / 000695
Instrument Date	Dec 22, 2017
Instrument	2335
Transaction Type	Transfer
Record Updated	Feb 6, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5873 JONES RD ST CLOUD FL 347719592, ST CLOUD, FL 34771-9592

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$20,238.00 (-4.46%)	$1,288,700 (+5.11%) Land $197,600 Building $1,091,100	$1,288,700 (+5.11%) Land $197,600 Building $1,091,100
2024	$21,182.00 (+4.58%)
2023	$20,255.00 (+1.3%)	$1,226,000 (-1%) Land $130,400 Building $1,095,600	$1,226,000 (-1%) Land $130,400 Building $1,095,600
2022	$19,995.00	$1,238,400 Land $108,700 Building $1,129,700	$1,238,400 Land $108,700 Building $1,129,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 278 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	278 in force
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	2 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 64% of the US · above 40% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 193 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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