Osceola County property record for 4231 Natchez Trace Dr, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2009 |
| Square Footage | 1,273 sqft Heated Area |
| Lot Size | 5,489 sqft (0.126 acres) |
| Garage | Finished, 439 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $1,012.00 (2025) |
| Primary APN | 83270 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,273 sqft Heated Area |
| Gross Area | 2,036 sqft Gross Area |
| 1st Floor | 1,273 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2009 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 5,489 sqft (0.126 acres) |
| Depth X Width | 110 ft x 50 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 439 sqft Garage |
| Porch | Open Porch |
| Porch Area | 324 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 83270 |
|---|---|
| Street Address | 4231 NATCHEZ TRACE DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-6817 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | NATCHEZ TRACE PB 5 PGS 105-106 LOT 44 |
| 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 | 44 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 3 |
| Census Block | 3031 |
| Census Tract | 43208 |
Source: Osceola County records · APN 83270
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 | 4231 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6817 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage EMORTGAGE FUNDING LLC |
| Oct 28, 2017 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage RELIANCE FIRST CAP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 09, 1996 |
| Deed Sale | Sep 09, 1996 |
| Prior Sale | Sep 09, 1996 · Amount on Record |
| Deed Doc Number | 0029781726 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4231 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6817 |
| Transaction Type | Mortgage |
| Record Updated | Jul 02, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4231 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6817 |
| Document Number | 0059820817 |
|---|---|
| Date | Jun 16, 2021 |
| Book Page | 5982/817 |
| Instrument | 2021093731 |
| Name | EMORTGAGE FUNDING LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | TROY, MI 48084 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4231 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6817 |
| Document Number | 0052371936 |
| Book / Page | 005237 / 001936 |
| Instrument Date | Oct 28, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 4231 NATCHEZ TRACE DR ST CLOUD FL 347696817, ST CLOUD, FL 34769-6817 |
| Document Number | 0052371936 |
|---|---|
| Date | Nov 13, 2017 |
| Book Page | 005237/001936 |
| Instrument | 161195 |
| Name | RELIANCE FIRST CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | MELVILLE, NY 11747 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 12, 2047 |
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 | $1,012.00 (+8.82%) Homeowner's exemption | $99,431 (+5.99%) | $282,000 (+3.83%) Land $60,000 Building $222,000 |
| 2023 | $930.00 (+5.44%) Homeowner's exemption | $93,815 (+3%) | $271,600 (+30.77%) Land $55,000 Building $216,600 |
| 2022 | $882.00 Homeowner's exemption | $91,083 | $207,700 Land $42,000 Building $165,700 |
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 53% of the US · above 23% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 826 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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