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3909 Natchez Trace Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3909 Natchez Trace Dr, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1999
Square Footage1,256 sqft Heated Area
Lot Size7,623 sqft (0.175 acres)
OccupancyOwner Occupied
Last Sale$220,000 (2020)
Tax Bill$2,990.00 (2025)

Property Details

APN / Parcel Number

Primary APN83249
Alternative APN
  • 092630056000010230

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,256 sqft Heated Area
Gross Area1,754 sqft Gross Area
1st Floor1,256 sqft 1st Floor
Stories1 Stories
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 1999
Exterior MaterialAluminum Siding Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area7,623 sqft (0.175 acres)
Depth X Width130 ft x 62 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area456 sqft Garage
FenceFence
PorchOpen Porch
Porch Area42 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number83249
Street Address3909 NATCHEZ TRACE DR
CitySAINT CLOUD
StateFL
Zip34769-6832
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionNATCHEZ TRACE PB 5 PGS 105-106 LOT 23
Legal Range30E
Legal Township26S
Legal Section09
Legal SubdivisionNATCHEZ TRACE & PINE ISLE IN CITY
Legal Tract560
Legal Block1
Legal Lot Number23
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup3
Census Block3031
Census Tract43208

Owner

Source: Osceola County records · APN 83249

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 Record2 Individual Names on File
Mailing Address3909 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6832
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Feb 24, 2020Warranty Deed, Transfer
BAY EQUITY
Mar 21, 2018Warranty Deed, Transfer
SUNBELT TITLE (AGENCY)
Mar 21, 2018Warranty Deed, Transfer
SUNBELT TITLE AGENCY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 24, 2020 · Amount on Record
Deed SaleFeb 24, 2020 · Amount on Record
Prior SaleMar 21, 2018
Deed Doc Number2020026648
Deed Book / Page5679 / 1184
Record RefreshedJun 08, 2026

February 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 24, 2020
Property Address3909 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6832
Document Number0056791184
Book / Page005679 / 001184
Instrument DateFeb 20, 2020
Instrument26648
Transaction TypeTransfer
Record UpdatedMay 29, 2020
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,540.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address3909 NATCHEZ TRACE DR ST CLOUD FL 347696832, ST CLOUD, FL 34769-6832

Mortgage

Document Number56791186
DateFeb 24, 2020
Book Page005679/001186
Instrument26649
Lender
NameBAY EQUITY
TypeFunding / Finance Company
AddressCORTE MADERA, CA 94925
Agreement
AmountAmount Recorded
Term360 Months
DueFeb 23, 2050

Mortgage

Document Number56791199,
DateFeb 24, 2020
Book Page005679/001199
Instrument26650
Lender
NameBAY EQUITY
TypeFunding / Finance Company
AddressSAUSALITO, CA 94965
Agreement
AmountAmount Recorded
Term360 Months
DueFeb 23, 2050

March 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 21, 2018
Property Address3909 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6832
Document Number0053041126
Book / Page005304 / 001126
Instrument DateMar 15, 2018
Instrument45357
Transaction TypeTransfer
Record UpdatedApr 16, 2018
Title CompanySUNBELT TITLE (AGENCY)

Transaction

Tax$0.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1910 BROCKRIDGE RD KINDRED FL 347446005, KINDRED, FL 34744-6005

March 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 21, 2018
Property Address3909 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6832
Document Number0053041125
Book / Page5304 / 1125
Map ReferenceMB5 PG105&106
Instrument DateMar 12, 2018
Instrument2018045356
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanySUNBELT TITLE AGENCY

Transaction

AmountAmount Recorded
Tax$1,330.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address1910 BROCKRIDGE RD, KINDRED, FL 34744-6005

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$2,990.00 (+6.48%) Homeowner's exemption$209,927 (+5.99%)$259,900 (+3.75%) Land $60,000 Building $199,900
2023$2,808.00 (+3.77%) Homeowner's exemption$198,069 (+3%)$250,500 (+30.27%) Land $55,000 Building $195,500
2022$2,706.00 Homeowner's exemption$192,300 Land $42,000 Building $150,300$192,300 Land $42,000 Building $150,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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