4219 Natchez Trace Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4219 Natchez Trace Dr, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,322 sqft · built 1993
Lot Size	0.256 acres (11,151 sqft)
Owner	2 Individual Names on File
Last Sale	$308,000 (Jul 2024)
Tax Bill	$3,691 (2025)
Deeds & Mortgages	Aug 2023 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-26-30-0560-0001-0410`

Property Details

APN / Parcel Number

Primary APN	`09-26-30-0560-0001-0410`
Alternative APNs	`263009056000010410` `83267`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,322 sqft Living Area
Gross Area	1,808 sqft
1st Floor Area	1,322 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Conventional
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,151 sqft (0.256 acres)
Lot Dimensions	152 ft deep x 83.3 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4219 NATCHEZ TRACE DR
City	SAINT CLOUD
State	FL
Zip	34769-6817
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	NATCHEZ TRACE PB 5 PGS 105-106 LOT 41
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	NATCHEZ TRACE
Legal Tract	560
Legal Block	410
Legal Lot Number	41
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3031
Census Tract	43208

Owner

Source: Osceola County assessment roll, as of November 26, 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
Mailing Address	1717 BRASSIE CT, KISSIMMEE, FL 34746-4501
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 10, 2024 · Amount on Record
Deed Sale	Jul 10, 2024 · Amount on Record
Prior Sale	Aug 21, 2002 · Amount on Record
Deed Document Number	202490488
Deed Book / Page	6631 / 1227
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4219 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6817
Transaction Type	Mortgage
Record Updated	Sep 13, 2023
Title Company	CHANCELLOR TITLE AGENCY, CHANCELLOR TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4219 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6817

Mortgage

Document Number	0064640446
Date	Aug 25, 2023
Book Page	6464/446
Instrument	2023112410

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	795 Months
Due	Nov 18, 2089

Interest

Rate Type	Adjustable Rate
Rate	7.84%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	12.8%

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,691.00 (+374.42%)	$249,100 (+191.74%) Land $60,000 Building $189,100	$249,100 (+3.88%) Land $60,000 Building $189,100
2023	$778.00 (+5.99%) Homeowner's exemption	$85,385 (+3%)	$239,800 (+30.68%) Land $55,000 Building $184,800
2022	$734.00 Homeowner's exemption	$82,899	$183,500 Land $42,000 Building $141,500

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.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 25 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	25 in force

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	None beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 300 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20