Osceola County property record for 1102 Kentucky Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,500 sqft · built 1925 |
| Lot Size | 0.109 acres (4,748 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $336,000 (Mar 2023) |
| Tax Bill | $3,388 (2025) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage Jun 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0190-0010 |
| Primary APN | 01-26-30-0001-0190-0010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,500 sqft Living Area |
| Gross Area | 1,584 sqft |
| 1st Floor Area | 768 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Custom Design |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 4,748 sqft (0.109 acres) |
| Lot Dimensions | 95 ft deep x 50 ft wide |
| Porch | Florida Room |
| Porch Area | 276 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1102 KENTUCKY AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3728 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SCB2 |
| Legal Description | ST CLOUD PB B PG 34 BLK 190 E 95 FT LOTS 1 & 2 2-26-30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 190 |
| Legal Lot Number | 1 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1032 |
| 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.
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 Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1102 KENTUCKY AVE, SAINT CLOUD, FL 34769-3728 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 13, 2023 | Warranty Deed, Transfer · Conventional Mortgage ACOPIA LLC |
| Jun 30, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage SOUTHERN FLIPCO FINANCIAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 13, 2023 · Amount on Record |
| Deed Sale | Mar 13, 2023 · Amount on Record |
| Prior Sale | Jun 30, 2022 · Amount on Record |
| Deed Document Number | 202328931 |
| Deed Book / Page | 6370 / 1525 |
| Prior Transfer Date | May 1, 2006 |
| Prior Transfer Doc | 0034130770 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 13, 2023 |
| Property Address | 1102 KENTUCKY AVE, SAINT CLOUD, FL 34769-3728 |
| Document Number | 0063701525 |
| Book / Page | 6370 / 1525 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | Mar 10, 2023 |
| Instrument | 2023028931 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2023 |
| Title Company | FIRST INTERNATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,352.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4913 LOTTA CT, SAINT CLOUD, FL 34772-8770 |
| Name | Verified Name |
|---|---|
| Address | 1102 KENTUCKY AVE, SAINT CLOUD, FL 34769-3728 |
| Document Number | 0063701527 |
|---|---|
| Date | Mar 13, 2023 |
| Instrument | 6370/1527 |
| Name | ACOPIA LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 30, 2022 |
| Property Address | 1102 KENTUCKY AVE, SAINT CLOUD, FL 34769-3728 |
| Document Number | 0062430387 |
| Book / Page | 6243 / 387 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | Jun 24, 2022 |
| Instrument | 2022101972 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2022 |
| Title Company | PREMIER TITLE AGCY SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $836.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4913 LOTTA CT, SAINT CLOUD, FL 34772-8770 |
| Document Number | 0062430390 |
|---|---|
| Date | Jun 30, 2022 |
| Book Page | 6243/390 |
| Instrument | 2022101974 |
| Name | SOUTHERN FLIPCO FINANCIAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | HOUSTON, TX 77079 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 6 Months |
| Due | Dec 27, 2022 |
Source: Osceola County assessment roll, as of November 26, 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 | $3,388.00 (+2.33%) | $189,100 (+12.23%) Land $45,100 Building $144,000 | $189,100 (+12.23%) Land $45,100 Building $144,000 |
| 2024 | $3,311.00 (+8.99%) | ||
| 2023 | $3,038.00 (+86.15%) | $168,500 (+70.55%) Land $37,600 Building $130,900 | $168,500 (+70.55%) Land $37,600 Building $130,900 |
| 2022 | $1,632.00 | $98,800 Land $31,300 Building $67,500 | $98,800 Land $31,300 Building $67,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 Record 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.
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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