Osceola County property record for 2898 Narcoossee Commons Way, Saint Cloud, FL 34771
| Property Type | Townhouse |
|---|---|
| Details | 4 bd · 3 ba · 1,762 sqft · built 2023 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | Individual Name on File |
| Last Sale | $410,000 (Apr 2024) |
| Tax Bill | $4,905 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 092531535100010360 |
| Primary APN | 092531535100010360 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,762 sqft Heated Area |
| Gross Area | 2,066 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 3,485 sqft (0.08 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Porch Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 2898 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 36 |
| Legal Lot Number | 36 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 43700 |
2898 Narcoossee Commons Way, a townhouse, is owned and occupied by an individual who bought it in April 2024.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 2898 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 17, 2024 · Amount on File |
| Deed Sale | Apr 17, 2024 · Amount on File |
| Deed Document Number | 2024049696 |
| Deed Book / Page | 6584 / 1413 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2898 NARCOOSSEE COMMONS WAY, SAINT CLOUD, FL 34771-9196 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2024 |
| Name | Verified Name |
|---|---|
| Address | 8358 KELSALL DR, ORLANDO, FL 32832-6321 |
| Document Number | 0065841415 |
|---|---|
| Date | Apr 17, 2024 |
| Book Page | 6584/1415 |
| Instrument | 2024049697 |
| Name | MI FINANCIAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | 4131 WORTH AVE STE 460, COLUMBUS, OH 43219 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2054 |
The 2025 property tax bill for 2898 Narcoossee Commons Way was $4,905 with a homeowner's exemption.
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 | $4,905.00 Homeowner's exemption | $343,500 Land $50,000 Building $293,500 | $343,500 Land $50,000 Building $293,500 |
| 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 2898 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 2898 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 |
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