4021 Natchez Trace Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4021 Natchez Trace Dr, Saint Cloud, FL 34769 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,248 sqft · built 1998
Lot Size	0.126 acres (5,489 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Mar 2024)
Tax Bill	$3,565 (2025)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`83258`

Property Details

APN / Parcel Number

Primary APN	`83258`
Alternative APN	`092630056000010320`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,248 sqft Heated Area
Gross Area	1,584 sqft
1st Floor Area	1,248 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,489 sqft (0.126 acres)
Lot Dimensions	110 ft deep x 50 ft wide
Garage Type	Finished
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	83258
Street Address	4021 NATCHEZ TRACE DR
City	SAINT CLOUD
State	FL
Zip	34769-6815
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NATCHEZ TRACE PB 5 PGS 105-106 LOT 32
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	32
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3031
Census Tract	43208

Owner

Source: Osceola County records · APN 83258

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	2 Individual Names on File
Co-owner	Verified Secondary Owner
Mailing Address	4021 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6815
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 14, 2024 · Amount on Record
Deed Sale	Mar 14, 2024 · Amount on Record
Prior Sale	Apr 06, 2009
Deed Document Number	0065662880
Deed Book / Page	3891 / 2775
Prior Transfer Date	Sep 21, 2009
Prior Transfer Doc	2009151622
Record Updated	Jun 08, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4021 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6815
Document Number	0057812654
Instrument Date	Aug 11, 2020
Transaction Type	Mortgage
Record Updated	Sep 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4021 NATCHEZ TRACE DR ST CLOUD FL 347696815, ST CLOUD, FL 34769-6815

Mortgage

Document Number	0057812654
Date	Aug 26, 2020
Book Page	005781/002654
Instrument	113135

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 25, 2040

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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,565.00 (+420.44%) Homeowner's exemption	$242,100 (+201.84%) Land $60,000 Building $182,100	$242,100 (+5.49%) Land $60,000 Building $182,100
2023	$685.00 (+6.37%) Homeowner's exemption	$80,207 (+3%)	$229,500 (+30.47%) Land $55,000 Building $174,500
2022	$644.00 Homeowner's exemption	$77,871	$175,900 Land $42,000 Building $133,900

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.