1312 Nova Park Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1312 Nova Park Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,526 sqft · built 2017
Lot Size	0.505 acres (21,997 sqft)
Owner	2 Individual Names on File
Last Sale	$575,000 (Jan 2026)
Tax Bill	$5,906 (2025)
Deeds & Mortgages	Sep 2022 Reverse Mortgage Jan 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`35-25-31-4438-0001-0090`

Property Details

APN / Parcel Number

Primary APN	`35-25-31-4438-0001-0090`
Alternative APN	`253135443800010090`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,526 sqft Living Area
Gross Area	3,454 sqft
1st Floor Area	2,526 sqft
Flooring	Carpet

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Stone
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,997 sqft (0.505 acres)
Garage Type	Attached
Garage Area	484 sqft

Exterior Amenities

Porch	Florida Room
Patio Area	912 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1312 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 9
Legal Subdivision	NOVA PARK
Legal Tract	4438
Legal Block	90
Legal Lot Number	9
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 November 26, 2025

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

Owner of Record	2 Individual Names on File
Mailing Address	1312 NOVA PARK CT, SAINT CLOUD, FL 34771-8617
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2022	Deed of Trust, Mortgage · Reverse Mortgage CHERRY CREEK MORTGAGE CO INC
Jan 30, 2026	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Sep 15, 2022	Deed of Trust, Mortgage · Reverse Mortgage CHERRY CREEK MORTGAGE CO INC
Sep 15, 2022	Warranty Deed, Transfer STEWART TITLE COMPANY-F, STEWART TITLE COMPANY
Sep 15, 2022	Warranty Deed, Transfer · Reverse Mortgage CHERRY CREEK MORTGAGE CO INC
Jun 30, 2017	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage THE MORTGAGE FIRM INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 30, 2026 · Amount on Record
Deed Sale	Jan 30, 2026 · Amount on Record
Prior Sale	Sep 15, 2022 · Amount on Record
Deed Document Number	202613193
Deed Book / Page	6915 / 1401
Prior Transfer Date	May 14, 2020
Prior Transfer Doc	0057241332
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1312 NOVA PARK CT, SAINT CLOUD, FL 34771-8617
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1312 NOVA PARK CT, SAINT CLOUD, FL 34771-8617

Mortgage

Document Number	0062880565
Date	Sep 19, 2022
Book Page	6288/565
Instrument	2022141914

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company
Address	ENGLEWOOD, CO 80111

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	875 Months
Due	Aug 20, 2095

Interest

Rate Type	Adjustable Rate
Rate	5.17%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	10.1%

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 30, 2026
Property Address	1312 NOVA PARK CT, SAINT CLOUD, FL 34771-8617
Document Number	0069151401
Book / Page	6915 / 1401
Map Reference	MB 20 PG 189
Instrument Date	Jan 27, 2026
Instrument	2026013193
Transaction Type	Transfer
Record Updated	Feb 11, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,025.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3063 S 425 W, NIBLEY, UT 84321-7024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1312 NOVA PARK CT, SAINT CLOUD, FL 34771-8617

Mortgage

Document Number	0069151403
Date	Jan 30, 2026
Instrument	6915/1403

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1312 NOVA PARK CT, SAINT CLOUD, FL 34771-8617
Transaction Type	Mortgage
Record Updated	Jan 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1312 NOVA PARK CT, SAINT CLOUD, FL 34771-8617

Mortgage

Document Number	0062861770
Date	Sep 15, 2022
Book Page	6286/1770
Instrument	2022140351

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company
Address	ENGLEWOOD, CO 80111

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	875 Months
Due	Aug 20, 2095

Interest

Rate Type	Adjustable Rate
Rate	5.17%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	10.1%

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 15, 2022
Property Address	1312 NOVA PARK CT, SAINT CLOUD, FL 34771-8617
Document Number	0062861633
Book / Page	6286 / 1633
Map Reference	MB 20 PG 189
Instrument Date	Aug 9, 2022
Instrument	2022140296
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$4,095.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1312 NOVA PARK CT, SAINT CLOUD, FL 34771-8617

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1312 NOVA PARK CT, SAINT CLOUD, FL 34771-8617

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 15, 2022
Property Address	1312 NOVA PARK CT, SAINT CLOUD, FL 34771-8617
Document Number	0062861633
Book / Page	6286 / 1633
Map Reference	MB 20 PG 189
Instrument Date	Aug 9, 2022
Instrument	2022140296
Transaction Type	Transfer
Record Updated	Dec 24, 2024
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,095.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1312 NOVA PARK CT, SAINT CLOUD, FL 34771-8617

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1312 NOVA PARK CT, SAINT CLOUD, FL 34771-8617

Mortgage

Document Number	0062852319
Date	Sep 15, 2022
Instrument	6285/2319

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	35 Months
Due	Aug 20, 2025

Interest

Rate Type	Adjustable Rate
Rate	5.17%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	10.1%

June 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 30, 2017
Property Address	1312 NOVA PARK CT, SAINT CLOUD, FL 34771-8617
Document Number	0051722877
Book / Page	5172 / 2877
Map Reference	MB20 PG189
Instrument Date	Jun 29, 2017
Instrument	2017096333
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 700909, SAINT CLOUD, FL 34770-0909

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1312 NOVA PARK CT, SAINT CLOUD, FL 34771-8617

Mortgage

Document Number	0051722878
Date	Jun 30, 2017
Instrument	5172/2878

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

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	$5,906.00 (+10.5%) Homeowner's exemption Senior Citizen's exemption	$427,800 (+11.84%)	$478,400 (+25.07%) Land $75,000 Building $403,400
2024	$5,345.00 (-1.06%)
2023	$5,402.00 (+53.64%) Homeowner's exemption	$382,500 (+52.71%) Land $60,000 Building $322,500	$382,500 (+14.42%) Land $60,000 Building $322,500
2022	$3,516.00 Homeowner's exemption	$250,482	$334,300 Land $60,000 Building $274,300

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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