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1401 Kentucky Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1401 Kentucky Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,176 sqft · built 1968
Lot Size0.16 acres (6,970 sqft)
OwnerIndividual Name on Record
Last Sale$284,000 (Jul 2022)
Tax Bill$1,522 (2025)
Deeds & MortgagesAug 2021 Mortgage
Jul 2022 Sale & Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN78763

Property Details

APN / Parcel Number

Primary APN78763
Alternative APN
  • 012630000102760230

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,176 sqft Heated Area
Gross Area1,598 sqft
1st Floor Area1,176 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1968
Effective Year BuiltEffective 1993
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area6,970 sqft (0.16 acres)
Lot Dimensions140 ft deep x 50 ft wide

Exterior Amenities

PorchOpen Porch
Porch Area310 sqft
FenceFence
Shed1 Shed
Shed Area30 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number78763
Street Address1401 KENTUCKY AVE
CitySAINT CLOUD
StateFL
Zip34769-4341
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR3
Legal DescriptionST CLOUD PB B PG 34 BLK 276 LOTS 23 & 24 11/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD
Legal Tract1
Legal Block276
Legal Lot Number23 24
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2033
Census Tract43500

Owner

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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address1401 KENTUCKY AVE, SAINT CLOUD, FL 34769-4341
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 16, 2021Deed of Trust, Mortgage · FHA Mortgage
PENNYMAC LOAN SERVICES LLC
Jul 29, 2022Warranty Deed, Transfer · FHA Mortgage
AMERICAN LIBERTY MORTGAGE INC
Jan 30, 2020Deed of Trust, Mortgage · FHA Mortgage
HUD-HOUSING/URBAN DEV
Jan 30, 2020Loan Modification, Mortgage · Conventional Mortgage
PENNYMAC
May 24, 2018Warranty Deed, Transfer · FHA Mortgage
PARAMOUNT RESIDENTIAL MORTGAGE GROU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 29, 2022 · Amount on Record
Deed SaleJul 29, 2022 · Amount on Record
Prior SaleMay 24, 2018 · Amount on Record
Deed Document Number2022117163
Deed Book / Page6260 / 2129
Record UpdatedJun 8, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1401 KENTUCKY AVE, SAINT CLOUD, FL 34769-4341
Transaction TypeMortgage
Record UpdatedMar 6, 2023
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address1401 KENTUCKY AVE, SAINT CLOUD, FL 34769-4341

Mortgage

Document Number0060222052
DateAug 16, 2021
Book Page6022/2052
Instrument2021126105
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressMOORPARK, CA 93021
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term343 Months
DueMar 1, 2050

July 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 29, 2022
Property Address1401 KENTUCKY AVE, SAINT CLOUD, FL 34769-4341
Document Number0062602129
Book / Page6260 / 2129
Map ReferenceMB B PG 33&34
Instrument DateJul 28, 2022
Instrument2022117163
Transaction TypeTransfer
Record UpdatedMar 6, 2023
Title CompanyTRULY TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,988.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address404 CHRISTOPHER CT SE, WINTER HAVEN, FL 33884-1573

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address1401 KENTUCKY AVE, SAINT CLOUD, FL 34769-4341

Mortgage

Document Number0062602131
DateJul 29, 2022
Instrument6260/2131
Lender
NameAMERICAN LIBERTY MORTGAGE INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2052

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1401 KENTUCKY AVE, SAINT CLOUD, FL 34769-4341
Document Number0056882965
Instrument DateJan 30, 2020
Transaction TypeMortgage
Record UpdatedMay 22, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address1401 KENTUCKY AVE ST CLOUD FL 347694341, ST CLOUD, FL 34769-4341

Mortgage

Document Number0056882965
DateMar 10, 2020
Book Page005688/002965
Instrument34396
Lender
NameHUD-HOUSING/URBAN DEV
Address451 7TH ST SW, WASHINGTON, DC 20410-0001
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMar 9, 2050

January 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address1401 KENTUCKY AVE, SAINT CLOUD, FL 34769-4341
Document Number0056960076
Instrument DateJan 30, 2020
Transaction TypeMortgage
Record UpdatedJun 8, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address1401 KENTUCKY AVE ST CLOUD FL 347694341, ST CLOUD, FL 34769-4341

Mortgage

Document Number0056960076
DateMar 20, 2020
Book Page005696/000076
Instrument40325
Lender
NamePENNYMAC
AddressMOORPARK, CA 93021
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 19, 2050
Interest
Rate4%

May 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 24, 2018
Property Address1401 KENTUCKY AVE, SAINT CLOUD, FL 34769-4341
Document Number0053391449
Book / Page5339 / 1449
Map ReferenceMB B PG33&34
Instrument DateMay 24, 2018
Instrument2018081919
Transaction TypeTransfer
Record UpdatedMar 6, 2023
Title CompanyINTEGRITY FIRST TITLE, INTEGRITY FIRST TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,225.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2461 OAK HOLLOW DR, KISSIMMEE, FL 34744-2718

Transferred To (Grantee/Buyer)

NameVerified Name
Address1401 KENTUCKY AVE, SAINT CLOUD, FL 34769-4341

Mortgage

Document Number2018081920
DateMay 24, 2018
Instrument2018081920
Lender
NamePARAMOUNT RESIDENTIAL MORTGAGE GROU
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,522.00 (+8.02%) Homeowner's exemption Widower's exemption$132,936 (+5.99%)$295,200 (+13.02%) Land $46,800 Building $248,400
2023$1,409.00 (-27.15%) Homeowner's exemption Widower's exemption$125,428 (-16.09%)$261,200 (+13.27%) Land $34,000 Building $227,200
2022$1,934.00 Homeowner's exemption$149,473$230,600 Land $30,600 Building $200,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 12 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies12 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 470 locations within half a mile, as of December 31, 2025

ProviderMax 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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