Osceola County property record for 1010 Kentucky Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,163 sqft · built 1960 |
| Lot Size | 0.239 acres (10,454 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $155,000 (Mar 2017) |
| Tax Bill | $3,934 (2025) |
| Deeds & Mortgages | Mar 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 77861 |
| Primary APN | 77861 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,163 sqft Heated Area |
| Gross Area | 2,623 sqft |
| 1st Floor Area | 1,963 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1960 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,454 sqft (0.239 acres) |
| Lot Dimensions | 140 ft deep x 75 ft wide |
| Garage Type | Finished |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 200 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 77861 |
|---|---|
| Street Address | 1010 KENTUCKY AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3726 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SCB2 |
| Legal Description | ST CLOUD PB B PG 34 BLK 159 LOTS 5-7 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD DOWNTOWN BUSINESS DISTRICT |
| Legal Tract | 1 |
| Legal Block | 159 |
| Legal Lot Number | 5-7,2 6 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 43400 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the St. Cloud Downtown Historic District listed 2023 · 177 contributing resources · NRIS 100009031 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
1010 Kentucky Ave is owned and occupied by two individuals who bought it in March 2017.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1010 KENTUCKY AVE, SAINT CLOUD, FL 34769-3726 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 7, 2017 · Amount on File |
| Deed Sale | Mar 7, 2017 · Amount on File |
| Prior Sale | Dec 29, 2000 · Amount on File |
| Deed Document Number | 2017036177 |
| Deed Book / Page | 5113 / 1147 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 7, 2017 |
| Property Address | 1010 KENTUCKY AVE, SAINT CLOUD, FL 34769-3726 |
| Document Number | 0051131147 |
| Book / Page | 005113 / 001147 |
| Instrument Date | Feb 28, 2017 |
| Instrument | 36177 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2017 |
| Title Company | QUALITY TITLE AND ESCROW LLC, QUALITY TITLE & ESCROW LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,085.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1010 KENTUCKY AVE ST CLOUD FL 347693726, ST CLOUD, FL 34769-3726 |
| Document Number | 51131149 |
|---|---|
| Date | Mar 7, 2017 |
| Book Page | 005113/001149 |
| Instrument | 36178 |
| Name | JMAC LENDING |
|---|---|
| Type | Funding / Finance Company |
| Address | SANTA ANA, CA 92705 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 6, 2047 |
The 2025 property tax bill for 1010 Kentucky Ave was $3,934.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,934.00 | $219,600 Land $79,800 Building $139,800 | $219,600 Land $79,800 Building $139,800 |
| 2023 | $3,440.00 (+11.58%) | $201,300 (+15.42%) Land $66,500 Building $134,800 | $201,300 (+15.42%) Land $66,500 Building $134,800 |
| 2022 | $3,083.00 | $174,400 Land $55,400 Building $119,000 | $174,400 Land $55,400 Building $119,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1010 Kentucky Ave in Zone X, an area of minimal flood risk.
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 12 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 12 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 risk around 1010 Kentucky Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 526 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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