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4108 Natchez Trace Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4108 Natchez Trace Dr, Saint Cloud, FL 34769 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,563 sqft · built 1989
Lot Size0.126 acres (5,489 sqft)
OwnerIndividual Name on File
Last Sale$212,000 (Mar 2020)
Tax Bill$2,873 (2025)
Deeds & MortgagesMar 2020 Sale & Mortgage
May 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN83237

Property Details

APN / Parcel Number

Primary APN83237
Alternative APN
  • 092630056000010110

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,563 sqft Heated Area
Gross Area2,061 sqft
1st Floor Area1,563 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1989
Exterior MaterialAluminum Siding
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,489 sqft (0.126 acres)
Lot Dimensions110 ft deep x 50 ft wide
Garage TypeFinished
Garage Area462 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area36 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number83237
Street Address4108 NATCHEZ TRACE DR
CitySAINT CLOUD
StateFL
Zip34769-6814
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionNATCHEZ TRACE PB 5 PGS 105-106 LOT 11
Legal Range30E
Legal Township26S
Legal Section09
Legal SubdivisionNATCHEZ TRACE & PINE ISLE IN CITY
Legal Tract560
Legal Block1
Legal Lot Number11
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3032
Census Tract43208

Owner

Source: Osceola County records · APN 83237

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 RecordIndividual Name on File
Mailing Address4108 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6814
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 30, 2020Warranty Deed, Transfer · FHA Mortgage
SUMMIT MORTGAGE CORP
May 02, 2017Warranty Deed, Transfer · Conventional Mortgage
DANIEL B & TIFFANI G BATES

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMar 30, 2020 · Amount on Record
Deed SaleMar 30, 2020 · Amount on Record
Prior SaleMay 02, 2017 · Amount on Record
Deed Document Number2020044191
Deed Book / Page5700 / 1403
Record UpdatedJun 08, 2026

March 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 30, 2020
Property Address4108 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6814
Document Number0057001403
Book / Page5700 / 1403
Instrument2020044191
Transaction TypeTransfer
Record UpdatedFeb 08, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,484.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0057001405
DateMar 30, 2020
Book Page5700/1405
Instrument2020044192
Lender
NameSUMMIT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded

May 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 02, 2017
Property Address4108 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6814
Document Number0051410473
Book / Page005141 / 000473
Instrument DateApr 28, 2017
Instrument64663
Transaction TypeTransfer
Record UpdatedJun 26, 2017
Title CompanySTEWART TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,155.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4108 NATCHEZ TRACE DR ST CLOUD FL 347696814, ST CLOUD, FL 34769-6814

Mortgage

Document Number51410474
DateMay 02, 2017
Book Page005141/000474
Instrument64664
Lender
NameDANIEL B & TIFFANI G BATES
Address39 GREENE ST # 211, JERSEY CITY, NJ 07302-7528
Special NotesSeller Financed
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2047
Interest
Rate TypeFixed Rate
Rate8%

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$2,873.00 (+6.53%) Homeowner's exemption$203,405 (+5.99%)$267,600 (+3.68%) Land $60,000 Building $207,600
2023$2,697.00 (+3.81%) Homeowner's exemption$191,916 (+3%)$258,100 (+30.55%) Land $55,000 Building $203,100
2022$2,598.00 Homeowner's exemption$186,327$197,700 Land $42,000 Building $155,700

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 RiskModerate
above 45% of the US · above 15% of Florida
Wildfire LikelihoodAbout 1 in 943 per year
ExposureDirect
burnable vegetation at the parcel

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

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