Osceola County property record for 4113 Natchez Trace Dr, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,267 sqft · built 1995 |
| Lot Size | 0.126 acres (5,489 sqft) |
| Owner | Individual Name on File |
| Last Sale | $205,000 (Aug 2018) |
| Tax Bill | $2,339 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Jun 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 83262 |
| Primary APN | 83262 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,267 sqft Heated Area |
| Gross Area | 1,915 sqft Gross Area |
| 1st Floor Area | 1,267 sqft 1st Floor |
| Stories | 1 Story |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| 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 |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished |
| Garage Area | 440 sqft Garage |
| Porch | Open Porch |
| Porch Area | 208 sqft Porch |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 83262 |
|---|---|
| Street Address | 4113 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 36 |
| 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 | 36 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3031 |
| Census Tract | 43208 |
Source: Osceola County records · APN 83262
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 | 4113 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6815 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 13, 2022 | Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC |
| Jun 18, 2021 | Deed of Trust, Mortgage · FHA Mortgage THE MORTGAGE FIRM INC |
| Aug 16, 2018 | Warranty Deed, Transfer · FHA Mortgage MORTGAGE FIRM |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 16, 2018 · Amount on Record |
| Deed Sale | Aug 16, 2018 · Amount on Record |
| Deed Document Number | 2018124929 |
| Deed Book / Page | 5385 / 2392 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4113 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6815 |
| Transaction Type | Mortgage |
| Record Updated | Jan 31, 2022 |
| Title Company | GOLDSTAR TITLE, GOLD STAR TITLE |
| Name | Verified Name |
|---|---|
| Address | 4113 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6815 |
| Document Number | 0061290930 |
|---|---|
| Date | Jan 13, 2022 |
| Book Page | 6129/930 |
| Instrument | 2022007611 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4113 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6815 |
| Transaction Type | Mortgage |
| Record Updated | Jul 08, 2021 |
| Title Company | GOLDSTAR TITLE, GOLD STAR TITLE |
| Name | Verified Name |
|---|---|
| Address | 4113 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6815 |
| Document Number | 0059840724 |
|---|---|
| Date | Jun 18, 2021 |
| Book Page | 5984/724 |
| Instrument | 2021095521 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 16, 2018 |
| Property Address | 4113 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6815 |
| Document Number | 0053852392 |
| Book / Page | 005385 / 002392 |
| Instrument Date | Aug 08, 2018 |
| Instrument | 124929 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2018 |
| Title Company | GOLD STAR TITLE AND ESCROW INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,435.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4113 NATCHEZ TRACE DR ST CLOUD FL 347696815, ST CLOUD, FL 34769-6815 |
| Document Number | 53852394 |
|---|---|
| Date | Aug 16, 2018 |
| Book Page | 005385/002394 |
| Instrument | 124930 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 15, 2048 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $2,339.00 (+6.8%) Homeowner's exemption | $173,555 (+5.99%) | $251,800 (+3.84%) Land $60,000 Building $191,800 |
| 2023 | $2,190.00 (+4.04%) Homeowner's exemption | $163,752 (+3%) | $242,500 (+30.73%) Land $55,000 Building $187,500 |
| 2022 | $2,105.00 Homeowner's exemption | $158,983 | $185,500 Land $42,000 Building $143,500 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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.
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