Osceola County property record for 1320 Kentucky Ave, Saint Cloud, FL 34769
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 7,000 sqft · built 1974 |
| Lot Size | 0.466 acres (20,298 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $8,414 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0248-0070 |
| Primary APN | 01-26-30-0001-0248-0070 |
|---|---|
| Alternative APNs |
|
| Plumbing Fixtures | 2 Plumbing Fixtures |
|---|---|
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 7,000 sqft Gross Area |
| 1st Floor Area | 4,770 sqft |
| Utility Area | 1,750 sqft |
| Flooring | Tile |
| Interior Walls | Paneling |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Custom Design |
| Exterior Material | Metal |
| Fire Resistance | Fireproof Steel Frame |
| Roof Type | Sawtooth |
| Roof Material | Metal |
| Lot Area | 20,298 sqft (0.466 acres) |
| Lot Dimensions | 140 ft deep x 120 ft wide |
| Garage Type | Carport |
| Garage Area | 168 sqft |
| Carport | Carport |
| Carport Area | 168 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 480 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1320 KENTUCKY AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-4340 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Local Zoning Code | SHB |
| Legal Description | ST CLOUD PB B PG 34 BLK 248 LOTS 7-12 LESS N 5 FT LOT 7 11-26-30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 248 |
| Legal Lot Number | 7 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1043 |
| Census Tract | 43400 |
1320 Kentucky Ave, a commercial property, is held in a trust since June 2008.
Source: Osceola County records, as of November 26, 2025
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 3152 LAKESHORE BLVD, SAINT CLOUD, FL 34769-1950 |
| Owner Type | Company |
| Vesting | Trust |
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 Transfer Date | Jun 23, 2008 |
| Transfer Doc | 0037051481 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 1320 Kentucky Ave was $8,414, up 12% from the year before.
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 | $8,414.00 (+12.01%) | $578,100 Land $219,200 Building $358,900 | $578,100 Land $219,200 Building $358,900 |
| 2024 | $7,512.00 (+16.7%) | ||
| 2023 | $6,437.00 (+11.99%) | $372,400 (+16.74%) Land $177,600 Building $194,800 | $372,400 (+16.74%) Land $177,600 Building $194,800 |
| 2022 | $5,748.00 | $319,000 Land $148,000 Building $171,000 | $319,000 Land $148,000 Building $171,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1320 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 1320 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 99.1% of the US · lower than 98.7% 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 470 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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