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4316 Natchez Trace Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4316 Natchez Trace Dr, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,962 sqft · built 1988
Lot Size0.126 acres (5,488 sqft)
Owner2 Individual Names on File
Last Sale$346,000 (Oct 2025)
Tax Bill$4,385 (2025)
Deeds & MortgagesOct 2025 Sale & Mortgage
Jan 2022 Sale & Mortgage
+ 4 more
Flood ZoneZone X (minimal risk)
APN09-26-30-0560-0001-0020

Property Details

APN / Parcel Number

Primary APN09-26-30-0560-0001-0020
Alternative APNs
  • 263009056000010020
  • 83222

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,962 sqft Living Area
Gross Area2,061 sqft
1st Floor Area1,962 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 1988
Architectural StyleConventional
Exterior MaterialAluminum Siding
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,488 sqft (0.126 acres)
Lot Dimensions110 ft deep x 50 ft wide
PorchFinished/Open Porch
Porch Area99 sqft
Utility Building80 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address4316 NATCHEZ TRACE DR
CitySAINT CLOUD
StateFL
Zip34769-6819
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSPUD
Legal DescriptionNATCHEZ TRACE PB 5 PGS 105-106 LOT 2
Legal Range30E
Legal Township26S
Legal Section09
Legal SubdivisionNATCHEZ TRACE
Legal Tract560
Legal Block20
Legal Lot Number2
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3032
Census Tract43208

Owner

Source: Osceola County assessment roll, APN 09-26-30-0560-0001-0020, as of November 26, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address4316 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6819
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Oct 03, 2025Warranty Deed, Transfer · Conventional Mortgage
SOUTH STATE BANK NA
Jan 19, 2022Warranty Deed, Transfer · Conventional Mortgage
FBC MORTGAGE LLC
Sep 09, 2020Warranty Deed, Transfer · FHA Mortgage
HOME POINT FINANCIAL CORPORATION
Mar 11, 2020Warranty Deed, Transfer
BRIDGEWELL CAP
Aug 05, 2019Warranty Deed, Transfer
VISION TITLE
Jul 08, 2019Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 03, 2025 · Amount on Record
Deed SaleOct 03, 2025 · Amount on Record
Prior SaleJan 19, 2022 · Amount on Record
Deed Document Number2025122040
Deed Book / Page6858 / 198
Prior Transfer DateJul 05, 2019
Prior Transfer Doc0055522995
Record UpdatedJun 08, 2026

October 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 03, 2025
Property Address4316 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6819
Document Number0068580198
Book / Page6858 / 198
Map ReferenceMB 5 PG 105&106
Instrument DateSep 24, 2025
Instrument2025122040
Transaction TypeTransfer
Record UpdatedOct 23, 2025
Title CompanyUNKNOWN, THE CLOSING AGENT LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,422.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1408 NW SANTA FE LN # LN202, LN202, SILVERDALE, WA 98383-7906

Transferred To (Grantee/Buyer)

NameVerified Name
Address4316 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6819

Mortgage

Document Number0006858200
DateOct 03, 2025
Instrument6858/200
Lender
NameSOUTH STATE BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 01, 2055

January 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 19, 2022
Property Address4316 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6819
Document Number0061320779
Book / Page6132 / 779
Map ReferenceMB 5 PG 105&106
Instrument DateJan 07, 2022
Instrument2022010019
Transaction TypeTransfer
Record UpdatedFeb 02, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,450.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4316 NATCHEZ TRACE DR, 4316, SAINT CLOUD, FL 34769-6819

Transferred To (Grantee/Buyer)

NameVerified Name
Address4316 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6819

Mortgage

Document Number0006132781
DateJan 19, 2022
Instrument6132/781
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2052

September 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 09, 2020
Property Address4316 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6819
Document Number0057901652
Book / Page5790 / 1652
Map ReferenceMB 5 PG 105&106
Instrument DateSep 08, 2020
Instrument2020120273
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyNONA TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,715.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3327 CORDGRASS PL, 3327, HARMONY, FL 34773-6054

Transferred To (Grantee/Buyer)

NameVerified Name
Address4316 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6819

Mortgage

Document Number0057901654
DateSep 09, 2020
Instrument5790/1654
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2050

March 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 11, 2020
Property Address4316 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6819
Document Number0056892539
Book / Page005689 / 002539
Instrument DateMar 02, 2020
Instrument35088
Transaction TypeTransfer
Record UpdatedMay 26, 2020
Title CompanyVISION TITLE

Transaction

AmountAmount Recorded
Tax$1,190.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3327 CORDGRASS PL HARMONY FL 347736054, HARMONY, FL 34773-6054

Mortgage

Document Number56890756
DateMar 11, 2020
Book Page005689/000756
Instrument34585
Lender
NameBRIDGEWELL CAP
TypeFunding / Finance Company
AddressORLANDO, FL 32803
Agreement
AmountAmount Recorded

Mortgage

Document Number56890790,
DateMar 11, 2020
Book Page005689/000790
Instrument34586
Lender
NameBRIDGEWELL CAP
TypeFunding / Finance Company
AddressORLANDO, FL 32803
Agreement
AmountAmount Recorded

August 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 05, 2019
Property Address4316 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6819
Document Number0055681056
Book / Page005568 / 001056
Instrument DateJul 26, 2019
Instrument100816
Transaction TypeTransfer
Record UpdatedAug 21, 2019
Title CompanyVISION TITLE

Transaction

AmountAmount Recorded
Tax$560.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3613 SAINT MORITZ ST BELLE ISLE FL 328121134, BELLE ISLE, FL 32812-1134

July 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateJul 08, 2019
Property Address4316 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6819
Document Number0055522995
Book / Page005552 / 002995
Instrument DateJul 05, 2019
Instrument87019
Transaction TypeTransfer
Record UpdatedJul 25, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address7 MONTANA AVE ST CLOUD FL 347692165, ST CLOUD, FL 34769-2165

Tax Assessment & Valuation

Source: Osceola County assessment roll as of November 26, 2025 · Last verified April 2026

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$4,385.00 (+0.6%)$287,900 (+0.47%) Land $60,000 Building $227,900$287,900 (+0.1%) Land $60,000 Building $227,900
2024$4,359.00 (+2.54%) Homeowner's exemption$286,546 (+3%)$287,600 (+3.38%) Land $60,000 Building $227,600
2023$4,251.00 (+54.36%) Homeowner's exemption$278,200 (+42.68%) Land $55,000 Building $223,200$278,200 (+35.97%) Land $55,000 Building $223,200
2022$2,754.00 Homeowner's exemption$194,979$204,600 Land $42,000 Building $162,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432083, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 25 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies25 in force

Wildfire

Wildfire RiskModerate
above 45% of the US · lower than 84% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, 469 locations within half a mile, as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile USA
Fixed Wireless		100 / 20

May also be available: Lumen Technologies.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL3491373, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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