2963 N Narcoossee Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2963 N Narcoossee Rd, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 5,698 sqft · built 2023
Lot Size	1.61 acres (70,131 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,000 (Sep 2020)
Tax Bill	$14,927 (2025)
Deeds & Mortgages	Apr 2026 Sale Apr 2026 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-25-31-3479-0001-0036`

Property Details

APN / Parcel Number

Primary APN	`04-25-31-3479-0001-0036`
Alternative APN	`253104347900010036`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	5,698 sqft Living Area
Gross Area	7,719 sqft
1st Floor Area	3,301 sqft
Flooring	Carpet

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	70,131 sqft (1.61 acres)
Garage Type	Attached
Garage Area	805 sqft

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	49 sqft
Porch	Florida Room
Deck Area	436 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	2963 N NARCOOSSEE RD
City	SAINT CLOUD
State	FL
Zip	34771-8770
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IDLE HOUR ESTATES PB 10 PG 181 COM AT SW COR OF LOT 3, N 3.91 FT, E 14.39 FT, N 21.09 FT, E 385.62 FT, N 75 FT, E 435.14 FT TO PT ON PLATTED SAFE DEV LINE, CONT E 35.88 FT, S 76 DEG E 183 FT MOL TO PT ON SHORELINE OF LAKE AJAY KNOWN AS PT B,THEN RETU
Legal Range	31E
Legal Township	25S
Legal Section	04
Legal Subdivision	IDLE HOUR ESTATES
Legal Lot Number	3
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1026
Census Tract	43700

Owner

Source: Osceola County records, as of July 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2963 N NARCOOSSEE RD, SAINT CLOUD, FL 34771-8770
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Apr 13, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jan 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWINDS CU
Sep 3, 2020	Warranty Deed, Transfer PLATINUM TITLE/CTRL FL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2020 · Amount on Record
Deed Sale	Sep 3, 2020 · Amount on Record
Deed Document Number	2020117262
Deed Book / Page	5787 / 117
Last Transfer Date	Mar 27, 2026
Transfer Doc	0069541520
Record Updated	Sep 20, 2026

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 13, 2026
Property Address	2963 N NARCOOSSEE RD, SAINT CLOUD, FL 34771-8770
Document Number	0000048899
Book / Page	6954 / 1520
Instrument Date	Mar 27, 2026
Instrument	202648899
Transaction Type	Transfer
Record Updated	Apr 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	2963 N NARCOOSSEE RD, SAINT CLOUD, FL 34771-8770

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 13, 2026
Property Address	2963 N NARCOOSSEE RD, SAINT CLOUD, FL 34771-8770
Document Number	0069541520
Book / Page	6954 / 1520
Instrument Date	Mar 27, 2026
Instrument	202648899
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	2963 N NARCOOSSEE RD, SAINT CLOUD, FL 34771-8770

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2963 N NARCOOSSEE RD, SAINT CLOUD, FL 34771-8770
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11833 PROLOGUE AVE, ORLANDO, FL 32832-5140

Mortgage

Document Number	0058742184
Date	Jan 21, 2021
Book Page	5874/2184
Instrument	2021009389

Lender

Name	FAIRWINDS CU
Type	Credit Union
Address	ORLANDO, FL 32826

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Feb 1, 2052

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 3, 2020
Property Address	2963 N NARCOOSSEE RD, SAINT CLOUD, FL 34771-8770
Document Number	0057870117
Book / Page	005787 / 000117
Instrument Date	Sep 2, 2020
Instrument	117262
Transaction Type	Transfer
Record Updated	Sep 29, 2020
Title Company	PLATINUM TITLE/CTRL FL

Transaction

Amount	Amount Recorded
Tax	$1,610.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2241 GLENCO TER FORT WORTH TX 761101701, FORT WORTH, TX 76110-1701

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$14,927.00 (+3.76%) Homeowner's exemption	$1,066,841 (+611.23%)	$1,166,200 (+677.47%) Land $150,000 Building $1,016,200
2024	$14,386.00 (+429.68%)
2023	$2,716.00 (+29.58%)	$150,000 (-) Land $150,000	$150,000 (-) Land $150,000
2022	$2,096.00	$150,000 Land $150,000	$150,000 Land $150,000

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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	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

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	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	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 160 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, CenturyLink, Spectrum, Verizon.

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