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455 S Narcoossee Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 455 S Narcoossee Rd, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details3 ba · 3,106 sqft · built 1979
Lot Size4.8 acres (209,262 sqft)
OwnerCompany Name on Record
Last Sale$1,500,000 (Dec 2024)
Tax Bill$712 (2025)
Deeds & MortgagesFeb 2024 Sale & Line of Credit
Flood ZoneZone X (minimal risk)
APN29-25-31-5143-0001-0030

Property Details

APN / Parcel Number

Primary APN29-25-31-5143-0001-0030
Alternative APNs
  • 253129514300010030
  • 92790

Interior

Full Baths3 Baths
Stories1 Story
Building Area3,106 sqft Living Area
Gross Area4,488 sqft
1st Floor Area3,106 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1979
Effective Year BuiltEffective 1979
Architectural StyleConventional
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area209,262 sqft (4.8 acres)
Garage TypeAttached
Garage Area624 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area300 sqft
PorchFinished/Open Porch
Porch Area758 sqft
Deck Area1,504 sqft
Shed1 Shed
Shed Area112 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address455 S NARCOOSSEE RD
CitySAINT CLOUD
StateFL
Zip34771-7282
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeOAC
Legal DescriptionSTARLINE ESTATES UNIT 1 PB 2 PG 190 LOT 3 REPLAT PB 2 PG 221 LESS COM AT SE COR LOT 9, S 89 DEG W 715.05 FT TO POC, CONC NE, RAD 50 FT, CENT ANG 90 DEG (CH BEARING N 46 DEG W 70.71 FT) NWLY ALONG CURVE 78.54 FT, N 1 DEG W 1838 FT TO SW COR LOT 3 & PO
Legal Range31E
Legal Township25S
Legal Section29
Legal SubdivisionSTARLINE ESTATES UNIT 1
Legal Tract5143
Legal Block30
Legal Lot Number3
Legal Unit1P
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3002
Census Tract43700

Owner

Source: Osceola County records, 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 RecordCompany Name on Record
Mailing Address11221 JOHN WYCLIFFE BLVD, ORLANDO, FL 32832-7013
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 26, 2024 · Amount on Record
Deed SaleDec 26, 2024 · Amount on Record
Prior SaleFeb 29, 2024 · Amount on Record
Deed Document Number2024162324
Deed Book / Page6716 / 473
Prior Transfer DateNov 25, 2024
Prior Transfer Doc0067031485
Record UpdatedSep 20, 2026

February 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 29, 2024
Property Address455 S NARCOOSSEE RD, SAINT CLOUD, FL 34771-7282
Document Number0065570630
Book / Page6557 / 630
Map ReferenceMB 2 PG 190
Instrument DateFeb 23, 2024
Instrument2024026500
Transaction TypeTransfer
Record UpdatedMar 28, 2024
Title CompanyNOT AVAILABLE, CITRUS CLOSING GROUP INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$9,030.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address807 HEWITT DR, PORT ORANGE, FL 32127-5956

Transferred To (Grantee/Buyer)

NameVerified Name
Address122 E LAKE AVE, LONGWOOD, FL 32750-5441
InvestorPossibly a Property Investor

Mortgage

Document Number2024026503
DateFeb 29, 2024
Instrument2024026503
Lender
NameCOMMERCE BANK & TRUST
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded

Mortgage

Document Number0065570637
DateFeb 29, 2024
Book Page6557/637
Instrument2024026503
Lender
NameCOMMERCE BANK & TRUST
TypeBank
Address1201 S ORLANDO AVE STE 100, WINTER PARK, FL 32789
Agreement
TypeLine of Credit
AmountAmount Recorded

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$712.00 (-82.69%)$630,100 (+121.78%) Land $288,000 Building $342,100$630,100 (+28.12%) Land $288,000 Building $342,100
2024$4,114.00 (+2.14%)
2023$4,028.00 (+4.08%) Homeowner's exemption$284,110 (+3%)$491,800 (+12.77%) Land $216,000 Building $275,800
2022$3,870.00 Homeowner's exemption$275,835$436,100 Land $201,600 Building $234,500

Assessed value is set for property tax purposes, not a market price estimate; it is 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 70 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies70 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 RiskModerate
above 68% of the US · above 48% of Florida
Wildfire Likelihood0.3% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Water SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
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, 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 164 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: AT&T, CenturyLink.

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