Osceola County property record for 2770 Narcoossee Commons Way, Saint Cloud, FL 34771
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 3 ba · 1,379 sqft · built 2024 |
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | Company Name on Record |
| Last Sale | $376,380 (Feb 2024) |
| Tax Bill | $4,950 (2025) |
| Deeds & Mortgages | Jan 2025 Sale & Mortgage Feb 2024 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 092531535100010040 |
| Primary APN | 092531535100010040 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,379 sqft Heated Area |
| Gross Area | 1,706 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2024 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 2,178 sqft (0.05 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Porch Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 2770 NARCOOSSEE COMMONS WAY |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9194 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | TOWNS AT NARCOOSSEE COMMONS PB 32 PGS 105-106 LOT 4 |
| Legal Lot Number | 4 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 43700 |
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 | 1603 REDWOOD GROVE TER, LAKE MARY, FL 32746-4443 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Jan 22, 2025 | Quit Claim Deed, Transfer · Conventional Mortgage A&D MORTGAGE LLC |
| Feb 20, 2024 | Warranty Deed, Subdivision Related Transfer · Line of Credit FRANKLIN MORTGAGE HOLDINGS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 20, 2024 · Amount on Record |
| Deed Sale | Feb 20, 2024 · Amount on Record |
| Prior Sale | Feb 20, 2024 · Amount on Record |
| Deed Document Number | 0065512827 |
| Deed Book / Page | 6551 / 2827 |
| Last Transfer Date | Jan 22, 2025 |
| Transfer Doc | 0067290621 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 22, 2025 |
| Property Address | 2770 NARCOOSSEE COMMONS WAY, SAINT CLOUD, FL 34771-9194 |
| Document Number | 0067290621 |
| Book / Page | 6729 / 621 |
| Map Reference | MB 32 PG 105&106 |
| Instrument Date | Jan 6, 2025 |
| Instrument | 2025008885 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $935.90 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1603 REDWOOD GROVE TER, LAKE MARY, FL 32746-4443 |
| Name | Verified Name |
|---|---|
| Address | 1603 REDWOOD GROVE TER, LAKE MARY, FL 32746-4443 |
| Document Number | 2025008887 |
|---|---|
| Date | Jan 22, 2025 |
| Instrument | 2025008887 |
| Name | A&D MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 20, 2024 |
| Property Address | 2770 NARCOOSSEE COMMONS WAY, SAINT CLOUD, FL 34771-9194 |
| Document Number | 0065512827 |
| Book / Page | 6551 / 2827 |
| Map Reference | MB 32 PG 105&106 |
| Instrument Date | Feb 14, 2024 |
| Instrument | 2024021806 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | M/I TITLE AGENCY LIMITED LC, M I TITLE AGENCY LTD LC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,634.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 400 INTERNATIONAL PKWY STE 470, 470, LAKE MARY, FL 32746-5054 |
| Name | Verified Name |
|---|---|
| Address | 1603 REDWOOD GROVE TER, LAKE MARY, FL 32746-4443 |
| Document Number | 0065512829 |
|---|---|
| Date | Feb 20, 2024 |
| Instrument | 6551/2829 |
| Name | FRANKLIN MORTGAGE HOLDINGS INC |
|---|---|
| Type | Mortgage Company |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Feb 14, 2025 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,950.00 (+4,85%) | $305,900 (+4,148.61%) Land $50,000 Building $255,900 | $305,900 (+4,148.61%) Land $50,000 Building $255,900 |
| 2023 | $100.00 | $7,200 (-) Land $7,200 | $7,200 (-) Land $7,200 |
| 2022 | $100.00 | $7,200 Land $7,200 | $7,200 Land $7,200 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 330 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 330 in force |
| Nearby Flood Claims | 18 (2004–2022) |
| Claims Outside the SFHA | 1 of 18 |
| Most Recent Claim | Oct 2022 · Hurricane Ian |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 74% of the US · above 60% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 278 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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