Osceola County property record for 1321 Kentucky Ave, Saint Cloud, FL 34769
| Property Type | Office Building |
|---|---|
| Details | 3 ba · 3,828 sqft · built 1989 |
| Lot Size | 0.319 acres (13,939 sqft) |
| Owner | Owner Name on File |
| Last Sale | $487,000 (Nov 2006) |
| Tax Bill | $8,849 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 78550 |
| Primary APN | 78550 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 16 Rooms |
| Stories | 2 Stories |
| Building Area | 3,828 sqft Heated Area |
| Gross Area | 6,228 sqft |
| 1st Floor Area | 928 sqft |
| Upper Floors Area | 2,900 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Concrete Block |
| Fire Resistance | Masonry Walls, Wood Interior |
| Foundation Type | Footing |
| Roof Type | Wood Truss |
| Roof Material | Composition Shingle |
| Lot Area | 13,939 sqft (0.319 acres) |
| Lot Dimensions | 140 ft deep x 100 ft wide |
| Porch | Open Porch |
| Porch Area | 428 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 78550 |
|---|---|
| Street Address | 1321 KENTUCKY AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-4339 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Office Building |
| Local Zoning Code | SHB |
| Legal Description | ST CLOUD PB B PG 34 BLK 247 LOTS 13-16 11/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 247 |
| Legal Lot Number | 13 14 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 43500 |
The current owner of 1321 Kentucky Ave bought it in November 2006.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | PO BOX 453105, KISSIMMEE, FL 34745-3105 |
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 | Name on Deed |
|---|---|
| Last Sale | Nov 20, 2006 · Amount on File |
| Deed Sale | Nov 20, 2006 · Amount on File |
| Prior Sale | Sep 14, 2001 · Amount on File |
| Deed Document Number | 2006276163 |
| Deed Book / Page | 3335 / 2568 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 1321 Kentucky Ave was $8,849.
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 | $8,849.00 | $494,400 Land $151,000 Building $343,400 | $494,400 Land $151,000 Building $343,400 |
| 2023 | $7,817.00 (+11.31%) | $463,300 (+14.34%) Land $122,300 Building $341,000 | $463,300 (+14.34%) Land $122,300 Building $341,000 |
| 2022 | $7,023.00 | $405,200 Land $101,900 Building $303,300 | $405,200 Land $101,900 Building $303,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1321 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 1321 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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