1313 Nova Park Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1313 Nova Park Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,899 sqft · built 2020
Lot Size	0.514 acres (22,389 sqft)
Owner	2 Individual Names on Record
Last Sale	$65,000 (Mar 2020)
Tax Bill	$6,136 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Aug 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`35-25-31-4438-0001-0170`

Property Details

APN / Parcel Number

Primary APN	`35-25-31-4438-0001-0170`
Alternative APNs	`253135443800010170` `161098`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,899 sqft Living Area
Gross Area	4,377 sqft
1st Floor Area	2,899 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,389 sqft (0.514 acres)
Garage Type	Attached
Garage Area	839 sqft

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	392 sqft
Porch	Finished/Open Porch
Deck Area	658 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1313 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 17
Legal Range	31E
Legal Township	25S
Legal Section	35
Legal Subdivision	NOVA PARK
Legal Tract	4438
Legal Block	170
Legal Lot Number	17
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2005
Census Tract	43700

Owner

Source: Osceola County records, as of July 15, 2026

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 Record
Mailing Address	1313 NOVA PARK CT, SAINT CLOUD, FL 34771-8617
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2026	Deed of Trust, Mortgage · Line of Credit NONE LISTED ON DOCUMENT
Aug 10, 2021	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Oct 30, 2020	Loan Modification, Mortgage CENTENNIAL BK
Mar 6, 2020	Warranty Deed, Construction Loan · Construction Mortgage CENTENNIAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2020 · Amount on Record
Deed Sale	Mar 6, 2020 · Amount on Record
Deed Document Number	202033433
Deed Book / Page	5687 / 2174
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Jul 8, 2026
Property Address	1313 NOVA PARK CT, SAINT CLOUD, FL 34771-8617
Document Number	0000089284
Book / Page	7000 / 2234
Instrument Date	Jun 27, 2026
Instrument	202689284
Transaction Type	Mortgage
Record Updated	Jul 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1313 NOVA PARK CT, SAINT CLOUD, FL 34771-8617

Mortgage

Document Number	0000089284,
Date	Jul 8, 2026
Book Page	7000/2234
Instrument	202689284

Lender

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 27, 2056

Interest

Rate	6.53%
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1313 NOVA PARK CT, SAINT CLOUD, FL 34771-8617
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1313 NOVA PARK CT, SAINT CLOUD, FL 34771-8617

Mortgage

Document Number	0060192278
Date	Aug 10, 2021
Book Page	6019/2278
Instrument	2021123565

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jul 30, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	1313 NOVA PARK CT, SAINT CLOUD, FL 34771-8617
Document Number	0058291264
Instrument Date	Oct 30, 2020
Transaction Type	Mortgage
Record Updated	Nov 25, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1313 NOVA PARK CT ST CLOUD FL 347718617, ST CLOUD, FL 34771-8617

Mortgage

Document Number	0058291264
Date	Nov 9, 2020
Book Page	005829/001264
Instrument	152993

Lender

Name	CENTENNIAL BK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 8, 2050

Interest

Rate Type	Fixed Rate
Rate	3%

March 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 6, 2020
Property Address	1313 NOVA PARK CT, SAINT CLOUD, FL 34771-8617
Document Number	0056872174
Book / Page	5687 / 2174
Map Reference	MB 20 PG 189
Instrument Date	Mar 6, 2020
Instrument	2020033433
Transaction Type	Construction Loan
Record Updated	Aug 1, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$455.00
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	3339 PRIMROSE WILLOW DR, HARMONY, FL 34773-6017

Mortgage

Document Number	0056872175
Date	Mar 6, 2020
Instrument	5687/2175

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Apr 1, 2026
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6.37%
Index	1-Year CMT
Max Rate	10.3%

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	$6,136.00 (+6.58%) Homeowner's exemption	$432,337 (+5.99%)	$576,000 (+18.49%) Land $75,000 Building $501,000
2023	$5,757.00 (+3.73%) Homeowner's exemption	$407,916 (+3%)	$486,100 (+13.87%) Land $60,000 Building $426,100
2022	$5,550.00 Homeowner's exemption	$396,035	$426,900 Land $60,000 Building $366,900

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 69% of the US · above 50% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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.

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