Osceola County property record for 1106 Kentucky Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,066 sqft · built 1925 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,977 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Feb 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 78167 |
| Primary APN | 78167 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,066 sqft Heated Area |
| Gross Area | 1,562 sqft |
| 1st Floor Area | 1,066 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Garage Type | Detached - Unfinished |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 208 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 78167 |
|---|---|
| Street Address | 1106 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 LOTS 3 & 4 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD DOWNTOWN BUSINESS DISTRICT |
| Legal Tract | 1 |
| Legal Block | 190 |
| Legal Lot Number | 2-4 4 |
| 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 December 11, 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 1106 KENTUCKY AVE, SAINT CLOUD, FL 34769-3728 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 16, 2022 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Feb 2, 2022 | Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC |
| Jun 19, 2018 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY/HSNG & URBAN DEV |
| May 22, 2017 | Warranty Deed, Transfer · FHA Mortgage RP FUNDING INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 1, 2021 |
| Deed Sale | Dec 1, 2021 |
| Prior Sale | Sep 21, 2004 · Amount on Record |
| Deed Document Number | 0061412743 |
| Deed Book / Page | 5152 / 0232 |
| Prior Transfer Date | May 22, 2017 |
| Prior Transfer Doc | 2017075036 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1106 KENTUCKY AVE, SAINT CLOUD, FL 34769-3728 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1106 KENTUCKY AVE, SAINT CLOUD, FL 34769-3728 |
| Document Number | 0062692338 |
|---|---|
| Date | Aug 16, 2022 |
| Book Page | 6269/2338 |
| Instrument | 2022125469 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28277 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 6, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1106 KENTUCKY AVE, SAINT CLOUD, FL 34769-3728 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1106 KENTUCKY AVE, SAINT CLOUD, FL 34769-3728 |
| Document Number | 0061412745 |
|---|---|
| Date | Feb 2, 2022 |
| Book Page | 6141/2745 |
| Instrument | 2022017595 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MERIDEN, CT 06450 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1106 KENTUCKY AVE, SAINT CLOUD, FL 34769-3728 |
| Document Number | 0053772280 |
| Instrument Date | Jun 19, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 1106 KENTUCKY AVE ST CLOUD FL 347693728, ST CLOUD, FL 34769-3728 |
| Document Number | 0053772280 |
|---|---|
| Date | Aug 2, 2018 |
| Book Page | 005377/002280 |
| Instrument | 117608 |
| Name | SECRETARY/HSNG & URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 22, 2017 |
| Property Address | 1106 KENTUCKY AVE, SAINT CLOUD, FL 34769-3728 |
| Document Number | 0051520232 |
| Book / Page | 5152 / 0232 |
| Map Reference | MB B PG33&34 |
| Instrument Date | May 17, 2017 |
| Instrument | 2017075036 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $980.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 488, TALLAHASSEE, FL 32302-0488 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1106 KENTUCKY AVE, SAINT CLOUD, FL 34769-3728 |
| Document Number | 0051520233 |
|---|---|
| Date | May 22, 2017 |
| Instrument | 5152/0233 |
| Name | RP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2047 |
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 | $2,977.00 (+6.47%) Homeowner's exemption | $209,218 (+5.99%) | $222,800 (+12.87%) Land $56,600 Building $166,200 |
| 2023 | $2,796.00 (-7.42%) Homeowner's exemption | $197,400 (+17.92%) Land $47,200 Building $150,200 | $197,400 (+17.92%) Land $47,200 Building $150,200 |
| 2022 | $3,020.00 | $167,400 Land $39,300 Building $128,100 | $167,400 Land $39,300 Building $128,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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