Osceola County property record for 2790 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 | Individual Name on File |
| Last Sale | $376,800 (Jan 2024) |
| Tax Bill | $712 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Jan 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 092531535100010090 |
| Primary APN | 092531535100010090 |
|---|
| 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 | 2790 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 9 |
| Legal Lot Number | 9 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 43700 |
2790 Narcoossee Commons Way, a townhouse, is owned and occupied by an individual who bought it in January 2024.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2790 NARCOOSSEE COMMONS WAY, SAINT CLOUD, FL 34771-9194 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 20, 2025 | Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE INC |
| Jan 18, 2024 | Warranty Deed, Subdivision Related Transfer · VA Mortgage GUARANTEED RATE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 18, 2024 · Amount on File |
| Deed Sale | Jan 18, 2024 · Amount on File |
| Deed Document Number | 2024007190 |
| Deed Book / Page | 6535 / 2090 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2790 NARCOOSSEE COMMONS WAY, SAINT CLOUD, FL 34771-9194 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2790 NARCOOSSEE COMMONS WAY, SAINT CLOUD, FL 34771-9194 |
| Document Number | 0068830992 |
|---|---|
| Date | Nov 20, 2025 |
| Book Page | 6883/992 |
| Instrument | 2025143413 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 18, 2024 |
| Property Address | 2790 NARCOOSSEE COMMONS WAY, SAINT CLOUD, FL 34771-9194 |
| Document Number | 0065352090 |
| Book / Page | 6535 / 2090 |
| Map Reference | MB 32 PG 105&106 |
| Instrument Date | Jan 17, 2024 |
| Instrument | 2024007190 |
| 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 on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,637.60 |
| 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 | 2790 NARCOOSSEE COMMONS WAY, SAINT CLOUD, FL 34771-9194 |
| Document Number | 0065352092 |
|---|---|
| Date | Jan 18, 2024 |
| Instrument | 6535/2092 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2054 |
The 2025 property tax bill for 2790 Narcoossee Commons Way was $712 with exemptions applied.
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 | $712.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $305,900 Land $50,000 Building $255,900 | $305,900 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.
FEMA maps place 2790 Narcoossee Commons Way in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 2004.
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 File 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.
Wildfire risk around 2790 Narcoossee Commons Way is high, ranking above 74% of the US, with a 0.5% annual chance of wildfire.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures