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1098 Navajo Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1098 Navajo Dr, Saint Cloud, FL 34771

Property Summary

Property TypeMobile Home
Details1 bd · 1 ba · 696 sqft · built 1969
Lot Size0.785 acres (34,194 sqft)
Owner2 Individual Names on File
Last Sale$35,000 (Jul 2001)
Tax Bill$2,040 (2025)
Deeds & MortgagesFeb 2018 Transfer
Flood ZoneZone X (minimal risk)
APN20-25-31-4260-0001-0394

Property Details

APN / Parcel Number

Primary APN20-25-31-4260-0001-0394
Alternative APNs
  • 253120426000010394
  • 91653

Interior

Bedrooms1 Bed
Full Baths1 Bath
Stories1 Story
Building Area696 sqft Living Area
1st Floor Area696 sqft
FlooringCarpet
Interior WallsPaneling

Exterior

Year BuiltBuilt 1969
Effective Year BuiltEffective 1969
Architectural StyleCustom Design
Exterior MaterialAluminum Siding
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area34,194 sqft (0.785 acres)
Lot Dimensions360 ft deep x 95 ft wide

Exterior Amenities

Pool House240 sqft
PorchMetal Porch
Porch Area144 sqft
Shed1 Shed
Shed Area32 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address1098 NAVAJO DR
CitySAINT CLOUD
StateFL
Zip34771-7846
Property CategoryResidential
Property TypeResidential > Prefabricated > Mobile Home
Local Zoning CodeRMH
Legal DescriptionNARCOOSSEE PB 1 PGS 17-19 & PB 1 PGS 73-74 BEG AT SE COR OF LOT 20, RUN N ALONG E LINE LOTS 20 & 39 1045 FT TO POB, CONT N 95 FT, W 360 FT, S 95 FT, E 360 FT TO POB
Legal Range31E
Legal Township25S
Legal Section20
Legal SubdivisionNARCOOSSEE NEW MAP OF
Legal Tract4260
Legal Block394
Legal Lot Number20
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1032
Census Tract43600

Owner

1098 Navajo Dr, a mobile home, is owned by two individuals who acquired it in January 2018.

Source: Osceola County records, as of November 26, 2025

Owner of Record2 Individual Names on File
Mailing Address137 LAVENNA AVE, SAINT CLOUD, FL 34771-9419
Owner TypeIndividual
VestingHusband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 13, 2001 · Amount on File
Deed SaleJul 13, 2001 · Amount on File
Deed Book / Page1901 / 206
Last Transfer DateJan 31, 2018
Transfer Doc0052781444
Record UpdatedJun 8, 2026

February 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateFeb 1, 2018
Property Address1098 NAVAJO DR, SAINT CLOUD, FL 34771-7846
Document Number0052781444
Book / Page005278 / 001444
Instrument DateJan 31, 2018
Instrument16794
Transaction TypeTransfer
Record UpdatedFeb 22, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address1096 NAVAJO DR ST CLOUD FL 347717846, ST CLOUD, FL 34771-7846

Tax Assessment & Valuation

The 2025 property tax bill for 1098 Navajo Dr was $2,040, up 8.4% from the year before.

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,040.00 (+8.4%)$99,200 Land $66,000 Building $33,200$99,200 Land $66,000 Building $33,200
2024$1,882.00 (+3.24%)
2023$1,823.00 (+9.29%)$99,200 (+10.1%) Land $66,000 Building $33,200$99,200 (+10.1%) Land $66,000 Building $33,200
2022$1,668.00$90,100 Land $66,000 Building $24,100$90,100 Land $66,000 Building $24,100

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

Flood

FEMA maps place 1098 Navajo Dr in Zone X, an area of minimal flood risk, though there have been 24 flood claims nearby since 1994.

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 278 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies278 in force
Nearby Flood Claims24 (1994–2022)
Claims Outside the SFHA2 of 24
Most Recent ClaimSep 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

Wildfire risk around 1098 Navajo Dr is high, ranking above 72% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire RiskHigh
above 72% of the US · above 55% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 122 locations within half a mile, as of December 31, 2025

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

May also be available: CenturyLink, Xfinity.

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