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1404 Kentucky Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1404 Kentucky Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,128 sqft · built 1920
Lot Size0.239 acres (10,454 sqft)
OwnerIndividual Name on File
Last Sale$275,000 (Nov 2021)
Tax Bill$3,050 (2025)
Deeds & MortgagesNov 2021 Sale & Mortgage
Jul 2021 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN78743

Property Details

APN / Parcel Number

Primary APN78743
Alternative APN
  • 012630000102750010

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,128 sqft Heated Area
Gross Area1,712 sqft
1st Floor Area888 sqft
Upper Floors Area240 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 2002
Exterior MaterialAluminum Siding
Foundation TypePier/Post & Beam
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area10,454 sqft (0.239 acres)
Lot Dimensions140 ft deep x 75 ft wide
Garage TypeDetached - Unfinished
Garage Area192 sqft

Exterior Amenities

PorchFinished/Screened Porch
Porch Area320 sqft
Patio Area532 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number78743
Street Address1404 KENTUCKY AVE
CitySAINT CLOUD
StateFL
Zip34769-4342
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR3
Legal DescriptionST CLOUD PB B PG 34 BLK 275 LOTS 1-3 11/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD
Legal Tract1
Legal Block275
Legal Lot Number1-3 2
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1044
Census Tract43400

Owner

1404 Kentucky Ave is owned and occupied by an individual who bought it in November 2021.

Source: Osceola County records, as of December 11, 2025

Owner of RecordIndividual Name on File
Mailing Address1404 KENTUCKY AVE, SAINT CLOUD, FL 34769-4342
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Nov 4, 2021Warranty Deed, Transfer · FHA Mortgage
ALKAN MORTGAGE CORP
Jul 2, 2021Warranty Deed, Transfer
LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC
Jul 31, 2018Deed of Trust, Mortgage · Conventional Mortgage
WELLS FARGO BANK NA

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 4, 2021 · Amount on File
Deed SaleNov 4, 2021 · Amount on File
Prior SaleJul 2, 2021 · Amount on File
Deed Document Number2021172185
Deed Book / Page6080 / 1264
Record UpdatedJun 8, 2026

November 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 4, 2021
Property Address1404 KENTUCKY AVE, SAINT CLOUD, FL 34769-4342
Document Number0060801264
Book / Page6080 / 1264
Map ReferenceMB B PG 33
Instrument DateNov 2, 2021
Instrument2021172185
Transaction TypeTransfer
Record UpdatedNov 24, 2021
Title CompanyA-Z TEAM TITLE LLC, AZ TEAM TITLE LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,925.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2427 RUDDENSTONE WAY, 2427, KISSIMMEE, FL 34744-8479

Transferred To (Grantee/Buyer)

NameVerified Name
Address1404 KENTUCKY AVE, SAINT CLOUD, FL 34769-4342

Mortgage

Document Number60801266
DateNov 4, 2021
Instrument6080/1266
Lender
NameALKAN MORTGAGE CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueDec 1, 2051

July 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 2, 2021
Property Address1404 KENTUCKY AVE, SAINT CLOUD, FL 34769-4342
Document Number0059941604
Book / Page5994 / 1604
Map ReferenceMB B PG 33&34
Instrument DateJun 30, 2021
Instrument2021103663
Transaction TypeTransfer
Record UpdatedJul 20, 2021
Title CompanyLAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount on Record
Tax$945.00
Amount AccuracyRounded by County
Additional
  • Notice of Foreclosure Sale
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1404 KENTUCKY AVE, 1404, SAINT CLOUD, FL 34769-4342

Transferred To (Grantee/Buyer)

NameVerified Name
Address8776 LOOKOUT POINTE DR, WINDERMERE, FL 34786-6532

July 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1404 KENTUCKY AVE, SAINT CLOUD, FL 34769-4342
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0053760698
DateJul 31, 2018
Book Page5376/0698
Instrument2018116337
Lender
NameWELLS FARGO BANK NA
TypeBank
AddressSIOUX FALLS, SD 57104
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term121 Months
DueAug 1, 2028

Tax Assessment & Valuation

The 2025 property tax bill for 1404 Kentucky Ave was $3,050 with a homeowner's exemption.

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$3,050.00 Homeowner's exemption$213,310$236,000 Land $55,000 Building $181,000
2023$2,865.00 (+3.73%) Homeowner's exemption$201,262 (+3%)$215,400 (+10.24%) Land $50,000 Building $165,400
2022$2,762.00 Homeowner's exemption$195,400 Land $45,000 Building $150,400$195,400 Land $45,000 Building $150,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1404 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
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

Wildfire risk around 1404 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 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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