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4320 Natchez Trace Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4320 Natchez Trace Dr, Saint Cloud, FL 34769 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,563 sqft · built 1989
Lot Size0.139 acres (6,054 sqft)
OwnerIndividual Name on File
Last Sale$91,000 (Jul 2011)
Tax Bill$855 (2025)
Deeds & MortgagesNov 2020 Transfer
Sep 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN09-26-30-0560-0001-0010

Property Details

APN / Parcel Number

Primary APN09-26-30-0560-0001-0010
Alternative APNs
  • 263009056000010010
  • 83221

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,563 sqft Living Area
Gross Area2,037 sqft
1st Floor Area1,563 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 1989
Architectural StyleConventional
Exterior MaterialAluminum Siding
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,054 sqft (0.139 acres)
Lot Dimensions110 ft deep x 55.2 ft wide
Garage TypeAttached
Garage Area462 sqft
Parking Spaces2 Parking Spaces
PorchMetal Porch
Porch Area420 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address4320 NATCHEZ TRACE DR
CitySAINT CLOUD
StateFL
Zip34769-6819
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionNATCHEZ TRACE PB 5 PG 105-106 LOT 1
Legal Range30E
Legal Township26S
Legal Section09
Legal SubdivisionNATCHEZ TRACE
Legal Tract560
Legal Block1
Legal Lot Number1
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3032
Census Tract43208

Owner

Source: Osceola County records · APN 09-26-30-0560-0001-0010

Assessment roll updated 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 RecordIndividual Name on File
Mailing Address4320 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6819
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Nov 20, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY
Sep 21, 2020Intrafamily Transfer, Transfer · Conventional Mortgage
TRUIST BANK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJul 07, 2011 · Amount on Record
Deed SaleJul 07, 2011 · Amount on Record
Prior SaleApr 12, 2011 · Amount on Record
Deed Document Number201191568
Deed Book / Page4149 / 1293
Last Transfer DateNov 16, 2019
Transfer Doc0056312003
Record UpdatedJun 08, 2026

November 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateNov 20, 2020
Property Address4320 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6819
Document Number0058371509
Book / Page005837 / 001509
Instrument DateNov 16, 2020
Instrument159518
Transaction TypeTransfer
Record UpdatedDec 07, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address4320 NATCHEZ TRACE DR ST CLOUD FL 347696819, ST CLOUD, FL 34769-6819

September 2020: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateSep 21, 2020
Property Address4320 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6819
Document Number0057970500
Book / Page5797 / 500
Map ReferenceMB 5 PG 105
Instrument DateSep 16, 2020
Instrument2020125951
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyBRIDGETRUST TITLE GROUP

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4320 NATCHEZ TRACE DR, SAINT CLOUD, FL 34769-6819

Mortgage

Document Number0005797502
DateSep 21, 2020
Instrument5797/502
Lender
NameTRUIST BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated 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$855.00 (+4.52%) Homeowner's exemption$90,696 (+5.99%)$267,400 (+3.68%) Land $60,000 Building $207,400
2024$818.00 (+4.6%)
2023$782.00 (+5.96%) Homeowner's exemption$85,573 (+3%)$257,900 (+30.52%) Land $55,000 Building $202,900
2022$738.00 Homeowner's exemption$83,081$197,600 Land $42,000 Building $155,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432083, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 25 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies25 in force
22 of 25 on primary residences

Wildfire

Wildfire RiskModerate
above 45% of the US · above 15% of Florida
Wildfire LikelihoodAbout 1 in 943 per year
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.

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