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

Osceola County property record for 255 S Narcoossee Rd, Saint Cloud, FL 34771

Property Summary

Property Type	Religious, Church, Worship (Synagogue, Temple, Parsonage)
Details	3 bd · 2 ba · 12,173 sqft · built 2023
Lot Size	5.34 acres (232,610 sqft)
Owner	Company Name on Record
Tax Bill	$6,454 (2025)
Deeds & Mortgages	Dec 2024 Mortgage Jun 2022 Construction Loan + 6 more
Flood Zone	Zone X (minimal risk)
APN	`92788`

Property Details

APN / Parcel Number

Primary APN	`92788`
Alternative APN	`292531514300010010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	28 Plumbing Fixtures
Stories	1 Story
Building Area	12,173 sqft Heated Area
Gross Area	14,221 sqft
1st Floor Area	840 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Metal
Foundation Type	Footing
Roof Type	Rigid Frame Bar Joist
Roof Material	Metal
Lot Area	232,610 sqft (5.34 acres)

Exterior Amenities

Porch	Open Porch
Deck Area	160 sqft
Fence	Fence
Canopy	2,744 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	92788
Street Address	255 S NARCOOSSEE RD
City	SAINT CLOUD
State	FL
Zip	34771-7248
Property Category	Other
Property Type	Other > Religious, Church, Worship (Synagogue, Temple, Parsonage)
Local Zoning Code	OAC
Legal Description	STARLINE ESTATES UNIT 1 REPLAT PB 2 PG 221 LOT 1 LESS THE FOLLOWING LYING WITHIN LOT 2: COM AT SE COR LOT 9, S 89 DEG W
Legal Range	31E
Legal Township	25S
Legal Section	29
Legal Subdivision	STARLINE EST UN 1
Legal Tract	5143
Legal Block	1
Legal Lot Number	1-2,9
Legal Unit	1R
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3002
Census Tract	43700

Owner

Source: Osceola County records, as of December 11, 2025

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	11221 JOHN WYCLIFFE BLVD, ORLANDO, FL 32832-7013
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2024	Deed of Trust, Mortgage · Commercial Mortgage CHRISTIAN FINANCIAL RESOURCES INC
Jun 3, 2022	Deed of Trust, Mortgage · Construction Mortgage CHRISTIAN FINANCIAL RESOURCES INC
Mar 23, 2022	Quit Claim Deed, Transfer Quitclaim
Apr 18, 2018	Quit Claim Deed, Transfer EQUITY TITLE COMPANY, EQUITY TITLE
Apr 13, 2018	Deed of Trust, Mortgage · Conventional Mortgage HATIM BOWMAN
Apr 18, 2018	Warranty Deed, Transfer
Jul 20, 2017	Warranty Deed, Transfer · Conventional with PMI EVELYN MULERO
Aug 14, 2017	Grant Deed CLASSIC TITLE AND SOLUTIONS INC, CLASSIC TITLE & SOLUTIONS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 18, 2018
Deed Sale	Apr 18, 2018
Prior Sale	Apr 18, 2018
Deed Document Number	0053190802
Deed Book / Page	005319 / 000802
Last Transfer Date	Mar 23, 2022
Transfer Doc	0061780751
Record Updated	Jun 8, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	255 S NARCOOSSEE RD, SAINT CLOUD, FL 34771-7248
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11221 JOHN WYCLIFFE BLVD, ORLANDO, FL 32832-7013

Mortgage

Document Number	0067160488
Date	Dec 26, 2024
Book Page	6716/488
Instrument	2024162329

Lender

Name	CHRISTIAN FINANCIAL RESOURCES INC
Address	LAKE MARY, FL 32746

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	97 Months
Due	Jan 1, 2033

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	255 S NARCOOSSEE RD, SAINT CLOUD, FL 34771-7248
Transaction Type	Mortgage
Record Updated	Jan 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11221 JOHN WYCLIFFE BLVD, ORLANDO, FL 32832-7013

Mortgage

Document Number	0062260551
Date	Jun 3, 2022
Book Page	6226/551
Instrument	2022087082

Lender

Name	CHRISTIAN FINANCIAL RESOURCES INC
Type	Non-Lending Institution
Address	LAKE MARY, FL 32746

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	37 Months
Due	Jul 1, 2025

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 23, 2022
Property Address	255 S NARCOOSSEE RD, SAINT CLOUD, FL 34771-7248
Document Number	0061780751
Book / Page	6178 / 751
Map Reference	MB 2 PG 221
Instrument Date	Mar 15, 2022
Instrument	2022046500
Transaction Type	Transfer
Record Updated	Jan 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11221 JOHN WYCLIFFE BLVD, ORLANDO, FL 32832-7013

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 18, 2018
Property Address	255 S NARCOOSSEE RD, SAINT CLOUD, FL 34771-7248
Document Number	0053190800
Book / Page	005319 / 000800
Instrument Date	Apr 13, 2018
Instrument	61283
Transaction Type	Transfer
Record Updated	Nov 21, 2018
Title Company	EQUITY TITLE COMPANY, EQUITY TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11310 S ORANGE BLOSSOM TRAIL19 ORLANDO FL 32837, ORLANDO, FL 32837

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	255 S NARCOOSSEE RD, SAINT CLOUD, FL 34771-7248
Document Number	0053190805
Instrument Date	Apr 13, 2018
Transaction Type	Mortgage
Record Updated	May 23, 2018
Title Company	EQUITY TITLE COMPANY, EQUITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	122 E LAKE AVE LONGWOOD FL 327505441, LONGWOOD, FL 32750-5441

Mortgage

Document Number	0053190805
Date	Apr 18, 2018
Book Page	005319/000805
Instrument	61285

Lender

Name	HATIM BOWMAN
Address	11310 S ORANGE BLOSSOM TRL # 19, ORLANDO, FL 32837-9421

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 18, 2018
Property Address	255 S NARCOOSSEE RD, SAINT CLOUD, FL 34771-7248
Document Number	0053190802
Book / Page	005319 / 000802
Instrument Date	Apr 13, 2018
Instrument	61284
Transaction Type	Transfer
Record Updated	May 23, 2018

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	122 E LAKE AVE LONGWOOD FL 327505441, LONGWOOD, FL 32750-5441

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 20, 2017
Property Address	255 S NARCOOSSEE RD, SAINT CLOUD, FL 34771-7248
Document Number	0051820957
Book / Page	005182 / 000957
Instrument Date	Jul 19, 2017
Instrument	105904
Transaction Type	Transfer
Record Updated	Aug 14, 2017
Title Company	CLASSIC TITLE AND SOLUTIONS INC, CLASSIC TITLE & SOLUTIONS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	11310 S ORANGE BLOSSOM TRL #19 ORLANDO FL 328379421, 19, ORLANDO, FL 32837-9421

Mortgage

Document Number	51820958
Date	Jul 20, 2017
Book Page	005182/000958
Instrument	105905

Lender

Name	EVELYN MULERO
Address	2271 SPRING LAKE CIR, ST CLOUD, FL 34771-8856
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	60 Months
Due	Jul 19, 2022

Interest

Rate Type	Fixed Rate
Rate	5.5%

August 2017: Grant Deed

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 14, 2017
Property Address	255 S NARCOOSSEE RD, SAINT CLOUD, FL 34771-7248
Document Number	0051940953
Book / Page	005194 / 000953
Instrument Date	Jul 19, 2017
Instrument	117484
Record Updated	Sep 25, 2017
Title Company	CLASSIC TITLE AND SOLUTIONS INC, CLASSIC TITLE & SOLUTIONS INC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11310 S ORANGE BLOSSOM TRL #19 ORLANDO FL 328379421, 19, ORLANDO, FL 32837-9421

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	$6,454.00 (+90.38%) Additional exemption filed	$2,512,600 (+935.27%) Land $934,500 Building $1,578,100	$2,512,600 (+935.27%) Land $934,500 Building $1,578,100
2023	$3,390.00 (-9.5%) Additional exemption filed	$242,700 (+7.01%) Land $240,300 Building $2,400	$242,700 (+7.01%) Land $240,300 Building $2,400
2022	$3,746.00 Additional exemption filed	$226,800 Land $224,300 Building $2,500	$226,800 Land $224,300 Building $2,500

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 70 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	70 in force

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 64% of the US · above 41% 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	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 164 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink.

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