2870 Narcoossee Commons Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2870 Narcoossee Commons Way, Saint Cloud, FL 34771

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 1,561 sqft · built 2023
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on File
Last Sale	$371,440 (Aug 2023)
Tax Bill	$4,616 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`092531535100010290`

Property Details

APN / Parcel Number

Primary APN	`092531535100010290`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,561 sqft Heated Area
Gross Area	1,888 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
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

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	2870 NARCOOSSEE COMMONS WAY
City	SAINT CLOUD
State	FL
Zip	34771-9196
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	TOWNS AT NARCOOSSEE COMMONS PB 32 PGS 105-106 LOT 29
Legal Lot Number	29
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1013
Census Tract	43700

Owner

2870 Narcoossee Commons Way, a townhouse, is owned and occupied by an individual who bought it in August 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2870 NARCOOSSEE COMMONS WAY, SAINT CLOUD, FL 34771-9196
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2023 · Amount on File
Deed Sale	Aug 18, 2023 · Amount on File
Deed Document Number	2023108636
Deed Book / Page	6459 / 2594
Record Updated	Jun 8, 2026

August 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 18, 2023
Property Address	2870 NARCOOSSEE COMMONS WAY, SAINT CLOUD, FL 34771-9196
Document Number	0064592594
Book / Page	6459 / 2594
Map Reference	MB 32 PG 105&106
Instrument Date	Aug 16, 2023
Instrument	2023108636
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 22, 2024
Title Company	M/I TITLE AGENCY LIMITED LC, M I TITLE AGENCY LTD LC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,600.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 INTERNATIONAL PKWY STE 470, 470, LAKE MARY, FL 32746-5054

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2870 NARCOOSSEE COMMONS WAY, SAINT CLOUD, FL 34771-9196

Mortgage

Document Number	0064592596
Date	Aug 18, 2023
Instrument	6459/2596

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 2870 Narcoossee Commons Way was $4,616 with a homeowner's exemption.

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	$4,616.00 Homeowner's exemption	$322,600 Land $50,000 Building $272,600	$322,600 Land $50,000 Building $272,600
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.

Flood

FEMA maps place 2870 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	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 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

Wildfire risk around 2870 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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