Osceola County property record for 1203 Kentucky Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 816 sqft · built 1945 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Individual Name on File |
| Last Sale | $250,000 (Jan 2024) |
| Tax Bill | $4,152 (2025) |
| Deeds & Mortgages | Jan 2024 Sale & Mortgage Dec 2021 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 78360 |
| Primary APN | 78360 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 816 sqft Heated Area |
| Gross Area | 1,235 sqft |
| 1st Floor Area | 816 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1965 |
| Exterior Material | Aluminum Siding |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Finished/Screened Porch |
| Porch Area | 259 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 78360 |
|---|---|
| Street Address | 1203 KENTUCKY AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3729 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SHB |
| Legal Description | ST CLOUD PB B PG 34 BLK 218 LOTS 19 & 20 & W 50 FT LOTS 21 THRU 24 2-26-30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD HWY CENTRAL |
| Legal Tract | 1 |
| Legal Block | 218 |
| Legal Lot Number | 19-24 20 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 43500 |
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.
1203 Kentucky Ave is owned by an individual who bought it in January 2024.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2937 SUNRIDGE LOOP, SAINT CLOUD, FL 34771-8495 |
| 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.
| Date | Document |
|---|---|
| Jan 9, 2024 | Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC |
| Dec 3, 2021 | Warranty Deed, Transfer · FHA Mortgage BANK OF ENGLAND |
| Nov 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC |
| Jul 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE FIRM |
| Jul 10, 2018 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE FIRM |
| Nov 6, 2017 | Warranty Deed, Transfer LA ROSA TITLE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 9, 2024 · Amount on File |
| Deed Sale | Jan 9, 2024 · Amount on File |
| Prior Sale | Dec 3, 2021 · Amount on File |
| Deed Document Number | 2024003263 |
| Deed Book / Page | 6531 / 623 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 9, 2024 |
| Property Address | 1203 KENTUCKY AVE, SAINT CLOUD, FL 34769-3729 |
| Document Number | 0065310623 |
| Book / Page | 6531 / 623 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | Jan 5, 2024 |
| Instrument | 2024003263 |
| Transaction Type | Transfer |
| Record Updated | Jan 31, 2024 |
| Title Company | MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,750.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2116 CONGRESS LN, SAINT CLOUD, FL 34769-7074 |
| Name | Verified Name |
|---|---|
| Address | 2937 SUNRIDGE LOOP, SAINT CLOUD, FL 34771-8495 |
| Document Number | 0006531625 |
|---|---|
| Date | Jan 9, 2024 |
| Instrument | 6531/625 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 3, 2021 |
| Property Address | 1203 KENTUCKY AVE, SAINT CLOUD, FL 34769-3729 |
| Document Number | 0061000336 |
| Book / Page | 6100 / 336 |
| Map Reference | MB B PG 33 |
| Instrument Date | Nov 30, 2021 |
| Instrument | 2021186915 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | MAGNOLIA CLOSING CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,512.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7120 SIX GUN CT, 7120, SAINT CLOUD, FL 34771-7917 |
| Name | Verified Name |
|---|---|
| Address | 2116 CONGRESS LN, SAINT CLOUD, FL 34769-7074 |
| Document Number | 0006100338 |
|---|---|
| Date | Dec 3, 2021 |
| Instrument | 6100/338 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1203 KENTUCKY AVE, SAINT CLOUD, FL 34769-3729 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 7120 SIX GUN CT, SAINT CLOUD, FL 34771-7917 |
| Document Number | 0058411787 |
|---|---|
| Date | Nov 30, 2020 |
| Book Page | 5841/1787 |
| Instrument | 2020162370 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1203 KENTUCKY AVE, SAINT CLOUD, FL 34769-3729 |
| Document Number | 0057510368 |
| Instrument Date | Jul 8, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2020 |
| Title Company | TITLE ONE FLORIDA LLC |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 2160 CORBETT RD ORLANDO FL 328264908, ORLANDO, FL 32826-4908 |
| Document Number | 0057510368 |
|---|---|
| Date | Jul 8, 2020 |
| Book Page | 005751/000368 |
| Instrument | 88036 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 7, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 10, 2018 |
| Property Address | 1203 KENTUCKY AVE, SAINT CLOUD, FL 34769-3729 |
| Document Number | 0053642068 |
| Book / Page | 005364 / 002068 |
| Instrument Date | Jun 29, 2018 |
| Instrument | 105575 |
| Transaction Type | Transfer |
| Record Updated | Aug 14, 2018 |
| Title Company | YOUR TITLE CONNECTION LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $980.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 119 OREGON AVE ST CLOUD FL 347692559, ST CLOUD, FL 34769-2559 |
| Document Number | 53642070 |
|---|---|
| Date | Jul 10, 2018 |
| Book Page | 005364/002070 |
| Instrument | 105576 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 9, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 6, 2017 |
| Property Address | 1203 KENTUCKY AVE, SAINT CLOUD, FL 34769-3729 |
| Document Number | 0052351366 |
| Book / Page | 005235 / 001366 |
| Instrument Date | Oct 3, 2017 |
| Instrument | 158776 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2017 |
| Title Company | LA ROSA TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $630.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 522 BERRY JAMES CT KISSIMMEE FL 347448514, KISSIMMEE, FL 34744-8514 |
The 2025 property tax bill for 1203 Kentucky Ave was $4,152.
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 | $4,152.00 | $231,800 Land $148,200 Building $83,600 | $231,800 Land $148,200 Building $83,600 |
| 2023 | $2,251.00 (+3.97%) Homeowner's exemption | $167,169 (+3%) | $193,100 (+18.98%) Land $112,600 Building $80,500 |
| 2022 | $2,165.00 Homeowner's exemption | $162,300 Land $93,800 Building $68,500 | $162,300 Land $93,800 Building $68,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1203 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 1203 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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