1380 S Narcoossee Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1380 S Narcoossee Rd, Saint Cloud, FL 34771

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	2 ba · 31,240 sqft · built 2021
Lot Size	5.94 acres (258,746 sqft)
Owner	Company Name on Record
Last Sale	$7,583,400 (Jun 2026)
Tax Bill	$101,358 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Oct 2020 Construction Loan + 6 more
Flood Zone	Zone X (minimal risk)
APN	`29-25-31-4910-0098-0028`

Property Details

APN / Parcel Number

Primary APN	`29-25-31-4910-0098-0028`
Alternative APNs	`253129491000980028` `92758`

Interior

Full Baths	2 Baths
Plumbing Fixtures	28 Plumbing Fixtures
Stories	1 Story
Building Area	31,240 sqft Gross Area
1st Floor Area	30,520 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Custom Design
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Built-Up Asphalt
Lot Area	258,746 sqft (5.94 acres)
Garage Area	117 sqft
Porch	Finished/Open Porch
Porch Area	150 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1380 S NARCOOSSEE RD
City	SAINT CLOUD
State	FL
Zip	34771-7251
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	SHB
Legal Description	RUNNYMEDE PB 1 PG 5 BLK 98 COM AT SW COR LOT 3, S89-58-37W 50 FT, N00-03-48W 190 FT TO POB; N00-03-48W 430.63 FT, N89-58-51E 642.96 FT, S06-48-13E 307.02 FT, W 191 FT, S00-04-36W 126.06 FT, S89-58-37W 487.79 FT TO POB LESS COM AT NW OF LOT 3 BLK 98,
Legal Range	31E
Legal Township	25S
Legal Section	29
Legal Subdivision	RUNNYMEDE NORTH HALF TOWN OF
Legal Tract	4910
Legal Block	98
Legal Lot Number	3
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1051
Census Tract	43600

Owner

Source: Osceola County records, as of October 19, 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	1380 S NARCOOSSEE RD, SAINT CLOUD, FL 34771-7251
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Warranty Deed, Transfer · Conventional Mortgage MIDFLORIDA CREDIT UNION
Oct 30, 2020	Deed of Trust, Construction Loan · Construction Mortgage J FISHER FINANCIAL LLC
Sep 1, 2020	Deed of Trust, Mortgage RML FNDG LLC
Sep 2, 2020	Deed of Trust, Construction Loan · Construction Mortgage RML FNDG LLC
Nov 21, 2019	Correction Deed, Transfer NONA TITLE INC
Nov 21, 2019	Trustee's Deed, Construction Loan · Construction Mortgage OTHER INSTITUTIONAL LENDERS
Sep 27, 2019	Deed of Trust, Mortgage GOETZ LUDWIG TRUST (RT)
Jan 8, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2026 · Amount on Record
Deed Sale	Jun 29, 2026 · Amount on Record
Prior Sale	Jun 1, 2015 · Amount on Record
Deed Document Number	202684837
Deed Book / Page	6995 / 1188
Prior Transfer Date	Jan 5, 2018
Prior Transfer Doc	0052660898
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 29, 2026
Property Address	1380 S NARCOOSSEE RD, SAINT CLOUD, FL 34771-7251
Document Number	0000084837
Book / Page	6995 / 1188
Instrument Date	Jun 23, 2026
Instrument	202684837
Transaction Type	Transfer
Record Updated	Jul 9, 2026
Title Company	TITLE GROUP, YOUR TITLE GROUP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$5,361,463.80
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	1380 S NARCOOSSEE RD, SAINT CLOUD, FL 34771-7251

Mortgage

Document Number	0000084839,
Date	Jun 29, 2026
Instrument	202684839

Lender

Name	MIDFLORIDA CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.36%
Max Rate	-1%

October 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Oct 30, 2020
Property Address	1358 S NARCOOSSEE RD, SAINT CLOUD, FL 34771-7251
Document Number	0058222591
Book / Page	005822 / 002591
Instrument Date	Oct 28, 2020
Instrument	147412
Transaction Type	Construction Loan
Record Updated	Nov 12, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1414 S NARCOOSSEE RD ST CLOUD FL 347717210, ST CLOUD, FL 34771-7210

Mortgage

Document Number	58222591
Date	Oct 30, 2020
Book Page	005822/002591
Instrument	147412

Lender

Name	J FISHER FINANCIAL LLC
Address	9714 ROSEMIRE WAY, SAN ANTONIO, TX 78254-1838

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Oct 29, 2021

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1358 S NARCOOSSEE RD, SAINT CLOUD, FL 34771-7251
Document Number	0058160835
Instrument Date	Sep 1, 2020
Transaction Type	Mortgage
Record Updated	Nov 3, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	141 S NARCOOSSEE RD ST CLOUD FL 34771, ST CLOUD, FL 34771

Mortgage

Document Number	0058160835
Date	Oct 20, 2020
Book Page	005816/000835
Instrument	141758

Lender

Name	RML FNDG LLC
Address	6621 DOLPHIN COVE DR, APOLLO BEACH, FL 33572-3049

Agreement

Amount	Amount Recorded

September 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Sep 2, 2020
Property Address	1358 S NARCOOSSEE RD, SAINT CLOUD, FL 34771-7251
Document Number	0057862072
Book / Page	005786 / 002072
Instrument Date	Sep 1, 2020
Instrument	116996
Transaction Type	Construction Loan
Record Updated	Mar 15, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1414 S NARCOOSSEE RD ST CLOUD FL 347717210, ST CLOUD, FL 34771-7210

Mortgage

Document Number	57862072
Date	Sep 2, 2020
Book Page	005786/002072
Instrument	116996

Lender

Name	RML FNDG LLC
Address	6621 DOLPHIN COVE DR, APOLLO BEACH, FL 33572-3049

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 1, 2021

November 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 21, 2019
Property Address	1358 S NARCOOSSEE RD, SAINT CLOUD, FL 34771-7251
Document Number	0056280064
Book / Page	005628 / 000064
Instrument Date	Nov 21, 2019
Instrument	152047
Transaction Type	Transfer
Record Updated	Dec 13, 2019
Title Company	NONA TITLE INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1414 S NARCOOSSEE RD ST CLOUD FL 347717210, ST CLOUD, FL 34771-7210

November 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 21, 2019
Property Address	1358 S NARCOOSSEE RD, SAINT CLOUD, FL 34771-7251
Document Number	0056280066
Book / Page	005628 / 000066
Instrument Date	Nov 19, 2019
Instrument	152048
Transaction Type	Construction Loan
Record Updated	Dec 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1414 S NARCOOSSEE RD ST CLOUD FL 347717210, ST CLOUD, FL 34771-7210

Mortgage

Document Number	56280066
Date	Nov 21, 2019
Book Page	005628/000066
Instrument	152048

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	4616 OAK HAMMOCK CT, PONCE INLET, FL 32127-2224

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Nov 20, 2020

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1358 S NARCOOSSEE RD, SAINT CLOUD, FL 34771-7251
Document Number	0055970060
Instrument Date	Sep 27, 2019
Transaction Type	Mortgage
Record Updated	Oct 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1412 S NARCOOSSEE ROAD ST KISSIMMEE FL 34741, KISSIMMEE, FL 34741

Mortgage

Document Number	0055970060
Date	Sep 27, 2019
Book Page	005597/000060
Instrument	125604

Lender

Name	GOETZ LUDWIG TRUST (RT)
Address	4948 OAK ISLAND RD, BELLE ISLE, FL 32809-3548

Agreement

Amount	Amount Recorded

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 8, 2018
Property Address	1358 S NARCOOSSEE RD, SAINT CLOUD, FL 34771-7251
Document Number	0052660898
Book / Page	005266 / 000898
Instrument Date	Jan 5, 2018
Instrument	4372
Transaction Type	Transfer
Record Updated	Feb 12, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1414 S NARCOOSSEE RD ST CLOUD FL 347717210, ST CLOUD, FL 34771-7210

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$101,358.00 (+12.04%)	$7,188,200 (+55.25%) Land $1,039,500 Building $6,148,700	$7,188,200 (+55.25%) Land $1,039,500 Building $6,148,700
2024	$90,469.00 (+16.93%)
2023	$77,367.00 (+13.82%)	$4,630,100 (+22.76%) Land $744,900 Building $3,885,200	$4,630,100 (+22.76%) Land $744,900 Building $3,885,200
2022	$67,971.00	$3,771,700 Land $620,700 Building $3,151,000	$3,771,700 Land $620,700 Building $3,151,000

Assessed value is set for property tax purposes, not a market price estimate; it is 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
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 59% of the US · lower than 67% of Florida
Wildfire Likelihood	0.2% 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 181 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: AT&T, CenturyLink.

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