2988 Protagonist St, Kissimmee, FL 34746 Property Records

Osceola County property record for 2988 Protagonist St, Kissimmee, FL 34746

Property Summary

Property Type	Townhouse
Details	4 bd · 3 ba · 1,914 sqft · built 2021
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on File
Last Sale	$544,000 (Jan 2023)
Tax Bill	$7,627 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Nov 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`072529517800014940`

Property Details

APN / Parcel Number

Primary APN	`072529517800014940`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,914 sqft Heated Area
Gross Area	2,114 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	2,614 sqft (0.06 acres)

Exterior Amenities

Pool Area	154 sqft
Porch	Open Porch
Porch Area	200 sqft
Deck Area	319 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	2988 PROTAGONIST ST
City	KISSIMMEE
State	FL
Zip	34746
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	COVE AT STOREY LAKE 4 PB 30 PGS 18-35 LOT 494
Legal Subdivision	COVE AT STOREY LAKE III TOWNHOMES
Legal Lot Number	494
Jurisdiction	OSCEOLA FL
Township / Civil Division	KISSIMMEE
Census Block Group	1
Census Block	1003
Census Tract	40904

Owner

2988 Protagonist St, a townhouse, is owned by an individual who bought it in January 2023.

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

Owner of Record	Individual Name on File
Mailing Address	9755 OSPREY ISLES BLVD, PALM BEACH GARDENS, FL 33412-1120
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

Date	Document
Jan 26, 2023	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Nov 19, 2021	Special Warranty Deed, Transfer · Conventional Mortgage PMAC LENDING SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 2023 · Amount on File
Deed Sale	Jan 26, 2023 · Amount on File
Prior Sale	Nov 19, 2021 · Amount on File
Deed Document Number	2023010270
Deed Book / Page	6349 / 1975
Record Updated	Jun 8, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 26, 2023
Property Address	2988 PROTAGONIST ST, KISSIMMEE, FL 34746
Document Number	0063491975
Book / Page	6349 / 1975
Map Reference	MB 30 PG 18
Instrument Date	Jan 24, 2023
Instrument	2023010270
Transaction Type	Transfer
Record Updated	Feb 14, 2023
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,808.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18261 OLIVER TWIST WAY, WINTER GARDEN, FL 34787-1815

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9755 OSPREY ISLES BLVD, PALM BEACH GARDENS, FL 33412-1120

Mortgage

Document Number	0063491977
Date	Jan 26, 2023
Instrument	6349/1977

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

November 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 19, 2021
Property Address	2988 PROTAGONIST ST, KISSIMMEE, FL 34746
Document Number	0060901497
Book / Page	6090 / 1497
Map Reference	MB 30 PG 18
Instrument Date	Nov 17, 2021
Instrument	2021179966
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,849.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6750 FORUM DR STE 310, 310, ORLANDO, FL 32821-8088

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18261 OLIVER TWIST WAY, WINTER GARDEN, FL 34787-1815

Mortgage

Document Number	0060901501
Date	Nov 19, 2021
Instrument	6090/1501

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Dec 1, 2028
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	9.87%
Index	1-Year LIBOR
Max Rate	9.87%

Tax Assessment & Valuation

The 2025 property tax bill for 2988 Protagonist St was $7,627.

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	$7,627.00	$425,700 Land $70,000 Building $355,700	$425,700 Land $70,000 Building $355,700
2023	$7,411.00 (+15.08%)	$454,700 (+34.29%) Land $70,000 Building $384,700	$454,700 (+34.29%) Land $70,000 Building $384,700
2022	$6,440.00	$338,600 Land $21,800 Building $316,800	$338,600 Land $21,800 Building $316,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2988 Protagonist St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 136 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	136 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2022 · Hurricane Ian

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 2988 Protagonist St is moderate, ranking above 69% of the US, with a 0.4% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 69% of the US · above 50% of Florida
Wildfire Likelihood	0.4% 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 EASTERN private · serves 110,102 people · EPA ID FL3490751
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 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	2 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 182 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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