4109 Natchez Trace Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4109 Natchez Trace Dr, Saint Cloud, FL 34769 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,780 sqft · built 1989
Lot Size	0.144 acres (6,272 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Sep 2018)
Tax Bill	$5,262 (2025)
Deeds & Mortgages	Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-26-30-0560-0001-0350`

Property Details

APN / Parcel Number

Primary APN	`09-26-30-0560-0001-0350`
Alternative APNs	`263009056000010350` `83261`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,780 sqft Living Area
Gross Area	2,228 sqft
1st Floor Area	1,206 sqft
Upper Floors Area	574 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,272 sqft (0.144 acres)
Lot Dimensions	110 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	48 sqft
Patio Area	1,032 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4109 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 35
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	NATCHEZ TRACE
Legal Tract	560
Legal Block	350
Legal Lot Number	35
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3031
Census Tract	43208

Owner

Source: Osceola County records · APN 09-26-30-0560-0001-0350

Assessment roll updated November 26, 2025 · Last verified July 2026

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	4109 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6815
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 28, 2018 · Amount on Record
Deed Sale	Sep 28, 2018 · Amount on Record
Prior Sale	Oct 24, 2014 · Amount on Record
Deed Document Number	2018146122
Deed Book / Page	5408 / 2741
Prior Transfer Date	Jul 25, 2001
Prior Transfer Doc	1927001835
Record Updated	Sep 20, 2026

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 28, 2018
Property Address	4109 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6815
Document Number	0054082741
Book / Page	5408 / 2741
Map Reference	MB5 PG105&106
Instrument Date	Sep 21, 2018
Instrument	2018146122
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3250 CORD AVE, 3250, SAINT CLOUD, FL 34772-8194

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4109 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6815

Mortgage

Document Number	2018146123
Date	Sep 28, 2018
Instrument	2018146123

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2048

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026

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	$5,262.00 (+7.06%)	$294,900 (+3.36%) Land $60,000 Building $234,900	$294,900 (+3.36%) Land $60,000 Building $234,900
2024	$4,915.00 (+6.71%)
2023	$4,606.00 (+15.87%)	$285,300 (+29.45%) Land $55,000 Building $230,300	$285,300 (+29.45%) Land $55,000 Building $230,300
2022	$3,975.00	$220,400 Land $42,000 Building $178,400	$220,400 Land $42,000 Building $178,400

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 Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 45% of the US · above 15% of Florida
Wildfire Likelihood	About 1 in 943 per year
Exposure	Direct burnable vegetation at the parcel

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