3905 Natchez Trace Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3905 Natchez Trace Dr, Saint Cloud, FL 34769 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,563 sqft · built 1989
Lot Size	0.128 acres (5,576 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Apr 2015)
Tax Bill	$2,031 (2025)
Deeds & Mortgages	Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`83248`

Property Details

APN / Parcel Number

Primary APN	`83248`
Alternative APN	`092630056000010220`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,563 sqft Heated Area
Gross Area	2,061 sqft
1st Floor Area	1,563 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1999
Exterior Material	Aluminum Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,576 sqft (0.128 acres)
Lot Dimensions	112 ft deep x 50 ft wide
Garage Type	Finished
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	83248
Street Address	3905 NATCHEZ TRACE DR
City	SAINT CLOUD
State	FL
Zip	34769-6832
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NATCHEZ TRACE PB 5 PGS 105-106 LOT 22
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	NATCHEZ TRACE & PINE ISLE IN CITY
Legal Tract	560
Legal Block	1
Legal Lot Number	22
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3031
Census Tract	43208

Owner

Source: Osceola County records · APN 83248

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record	Individual Name on File
Mailing Address	3905 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6832
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 30, 2015 · Amount on Record
Deed Sale	Apr 30, 2015 · Amount on Record
Prior Sale	Oct 02, 2000 · Amount on Record
Deed Document Number	2015063164
Deed Book / Page	4772 / 1786
Record Updated	Jun 08, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3905 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6832
Transaction Type	Mortgage
Record Updated	Aug 04, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3905 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6832

Mortgage

Document Number	0060051265
Date	Jul 20, 2021
Book Page	6005/1265
Instrument	2021111962

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	286 Months
Due	May 01, 2045

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,031.00 (+7.06%) Homeowner's exemption	$156,354 (+5.99%)	$290,600 (+3.71%) Land $60,000 Building $230,600
2023	$1,897.00 (+4.12%) Homeowner's exemption	$147,523 (+3%)	$280,200 (+30.81%) Land $55,000 Building $225,200
2022	$1,822.00 Homeowner's exemption	$143,227	$214,200 Land $42,000 Building $172,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432083, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 25 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	25 in force 22 of 25 on primary residences

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.