1304 Nova Park Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1304 Nova Park Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,996 sqft · built 2018
Lot Size	0.642 acres (28,009 sqft)
Owner	Individual Name on File
Last Sale	$55,000 (May 2018)
Tax Bill	$3,987 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Oct 2018 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`161086`

Property Details

APN / Parcel Number

Primary APN	`161086`
Alternative APN	`352531443800010050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,996 sqft Heated Area
Gross Area	2,735 sqft
1st Floor Area	1,996 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Fiber Cement Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	28,009 sqft (0.642 acres)
Garage Type	Finished
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	161086
Street Address	1304 NOVA PARK CT
City	SAINT CLOUD
State	FL
Zip	34771-8617
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1C
Legal Description	NOVA PARK PB 20 PG 189 LOT 5
Legal Range	31E
Legal Township	25S
Legal Section	35
Legal Subdivision	NOVA BAY-PARK
Legal Tract	4438
Legal Block	1
Legal Lot Number	5
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2005
Census Tract	43700

Owner

Source: Osceola County assessment roll, as of July 1, 2025

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
Co-owner	Verified Secondary Owner
Mailing Address	1304 NOVA PARK CT, SAINT CLOUD, FL 34771-8617
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Oct 23, 2018	Loan Modification, Mortgage CENTENNIAL BK
May 9, 2018	Warranty Deed, Transfer · ARM CENTENNIAL BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 9, 2018 · Amount on Record
Deed Sale	May 9, 2018 · Amount on Record
Deed Document Number	2018074007
Deed Book / Page	5331 / 0186
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1304 NOVA PARK CT, SAINT CLOUD, FL 34771-8617
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1304 NOVA PARK CT, SAINT CLOUD, FL 34771-8617

Mortgage

Document Number	0058170955
Date	Oct 21, 2020
Book Page	5817/955
Instrument	2020142665

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

October 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	1304 NOVA PARK CT, SAINT CLOUD, FL 34771-8617
Document Number	0054280824
Instrument Date	Oct 23, 2018
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1304 NOVA PARK CT ST CLOUD FL 347718617, ST CLOUD, FL 34771-8617

Mortgage

Document Number	0054280824
Date	Nov 2, 2018
Book Page	005428/000824
Instrument	163699

Lender

Name	CENTENNIAL BK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

Interest

Rate Type	Fixed Rate
Rate	4.87%

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 9, 2018
Property Address	1304 NOVA PARK CT, SAINT CLOUD, FL 34771-8617
Document Number	0053310186
Book / Page	5331 / 0186
Map Reference	MB20 PG189
Instrument Date	May 4, 2018
Instrument	2018074007
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount Recorded
Tax	$385.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6250 OAK SHORE DR, 6250, SAINT CLOUD, FL 34771-8650

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1305 NOVA, SAINT CLOUD, FL 34771

Mortgage

Document Number	2018074008
Date	May 9, 2018
Instrument	2018074008

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Apr 1, 2025
Change Frequency	Annually
Min Rate At Change	5.5%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	8.5%

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$3,987.00 (+7.35%) Homeowner's exemption	$277,247 (+5.99%)	$380,300 (+19.67%) Land $75,000 Building $305,300
2023	$3,714.00 (+4.21%) Homeowner's exemption	$261,587 (+3%)	$317,800 (+13.91%) Land $60,000 Building $257,800
2022	$3,564.00 Homeowner's exemption	$253,968	$279,000 Land $60,000 Building $219,000

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 79 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	79 in force
Nearby Flood Claims	5 (1994–2017)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Sep 2017 · Hurricane Irma

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 61% of the US · lower than 63% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

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

Water System	SHELTER COVE RESORT private · serves 187 people · EPA ID FL3491298
Water Source	Groundwater
Last State Inspection	Feb 2026
Also Mapped Here	TOHO WATER AUTHORITY-POINCIANA SYSTEM
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2024
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 78 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Xfinity.

Cell Coverage

5G and 4G LTE (outdoors only)

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