910 Navajo Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 910 Navajo Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,756 sqft · built 1992
Lot Size	1.46 acres (63,598 sqft)
Owner	Individual Name on File
Last Sale	$380,000 (Sep 2022)
Tax Bill	$3,905 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`91649`

Property Details

APN / Parcel Number

Primary APN	`91649`
Alternative APN	`202531426000010390`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,756 sqft Heated Area
Gross Area	2,511 sqft
1st Floor Area	1,756 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2010
Architectural Style	Mobile/Manufactured
Exterior Material	Vinyl
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	63,598 sqft (1.46 acres)
Lot Dimensions	360 ft deep x 175 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Open Porch
Porch Area	180 sqft
Deck Area	187 sqft
Patio Area	308 sqft
Shed	1 Shed
Shed Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	91649
Street Address	910 NAVAJO DR
City	SAINT CLOUD
State	FL
Zip	34771-7843
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	RMH
Legal Description	NARCOOSSEE PB 1 PGS 17-19 & PB 1 PGS 73-74 COM AT SE COR LOT 20, N 570 TO POB, CONT N 183.34 FT, W 360, S 183.34 FT, E 360 FT
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	NARCOOSSEE NEW MAP
Legal Tract	4260
Legal Block	1
Legal Lot Number	20
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1032
Census Tract	43600

Owner

910 Navajo Dr, a mobile home, is owned by an individual who bought it in September 2022.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3227 UPLAND PT, OVIEDO, FL 32765-6877
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 3, 2017	Deed of Trust, Mortgage · FHA Mortgage FIRST GUARANTY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2022 · Amount on File
Deed Sale	Sep 22, 2022 · Amount on File
Prior Sale	May 26, 2015 · Amount on File
Deed Document Number	2022143604
Deed Book / Page	6290 / 211
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 22, 2022
Property Address	910 NAVAJO DR, SAINT CLOUD, FL 34771-7843
Document Number	0062900211
Book / Page	6290 / 211
Map Reference	MB 1 PG 17-19
Instrument Date	Sep 19, 2022
Instrument	2022143604
Transaction Type	Transfer
Record Updated	Oct 17, 2022
Title Company	M TITLE GROUP LLC, MCO TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,660.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4424 COCOPAH LOOP, 4424, SAINT CLOUD, FL 34772-7753

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3227 UPLAND PT, OVIEDO, FL 32765-6877

Mortgage

Document Number	0006290213
Date	Sep 22, 2022
Instrument	6290/213

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	910 NAVAJO DR, SAINT CLOUD, FL 34771-7843
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052342588
Date	Nov 3, 2017
Book Page	5234/2588
Instrument	2017158250

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Address	VIENNA, VA 22182

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Nov 1, 2042

Tax Assessment & Valuation

The 2025 property tax bill for 910 Navajo Dr was $3,905.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,905.00	$231,300 Land $82,500 Building $148,800	$231,300 Land $82,500 Building $148,800
2023	$3,927.00 (+39.4%)	$230,900 (+40.88%) Land $74,200 Building $156,700	$230,900 (+40.88%) Land $74,200 Building $156,700
2022	$2,817.00	$163,900 Land $74,200 Building $89,700	$163,900 Land $74,200 Building $89,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 910 Navajo Dr in Zone X, an area of minimal flood risk, though there have been 24 flood claims nearby since 1994.

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 File median of 278 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	278 in force
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	2 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 claims

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

Wildfire risk around 910 Navajo Dr is moderate, ranking above 64% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · above 40% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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 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 193 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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