Osceola County property record for 1424 Kentucky Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 784 sqft · built 1947 |
| Lot Size | 0.161 acres (7,013 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $200,000 (Dec 2022) |
| Tax Bill | $2,425 (2025) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0275-0110 |
| Primary APN | 01-26-30-0001-0275-0110 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 784 sqft Living Area |
| Gross Area | 1,036 sqft |
| 1st Floor Area | 520 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,013 sqft (0.161 acres) |
| Lot Dimensions | 140 ft deep x 0.5 ft wide |
| Garage Type | Attached |
| Garage Area | 252 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Florida Room |
| Porch Area | 264 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1424 KENTUCKY AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-4342 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR3 |
| Legal Description | ST CLOUD PB B PG 34 BLK 275 LOTS 11 & 12 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 | 275 |
| Legal Lot Number | 11 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1044 |
| Census Tract | 43400 |
Source: Osceola County records, as of November 26, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1424 KENTUCKY AVE, SAINT CLOUD, FL 34769-4342 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Dec 16, 2022 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 16, 2022 · Amount on Record |
| Deed Sale | Dec 16, 2022 · Amount on Record |
| Prior Sale | Mar 4, 2016 · Amount on Record |
| Deed Document Number | 2022180583 |
| Deed Book / Page | 6331 / 722 |
| Prior Transfer Date | Jan 5, 2011 |
| Prior Transfer Doc | 0040812971 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 16, 2022 |
| Property Address | 1424 KENTUCKY AVE, SAINT CLOUD, FL 34769-4342 |
| Document Number | 0063310722 |
| Book / Page | 6331 / 722 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | Dec 15, 2022 |
| Instrument | 2022180583 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2023 |
| Title Company | A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE T&E OF OSCEOL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,400.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 927 MISSOURI AVE, ALLIANCE, NE 69301-3044 |
| Name | Verified Name |
|---|---|
| Address | 1424 KENTUCKY AVE, SAINT CLOUD, FL 34769-4342 |
| Document Number | 0006331723 |
|---|---|
| Date | Dec 16, 2022 |
| Instrument | 6331/723 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1424 KENTUCKY AVE, SAINT CLOUD, FL 34769-4342 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1424 KERITUCKY AVE, SAINT CLOUD, FL 34769 |
| Document Number | 0060190787 |
|---|---|
| Date | Aug 9, 2021 |
| Book Page | 6019/787 |
| Instrument | 2021123145 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
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 | $2,425.00 (+3.68%) Homeowner's exemption | $178,376 (+5.99%) | $200,100 (+18.89%) Land $46,800 Building $153,300 |
| 2024 | $2,339.00 (+2.95%) | ||
| 2023 | $2,272.00 (+192.41%) Homeowner's exemption | $168,300 (+97.4%) Land $34,000 Building $134,300 | $168,300 (+16.71%) Land $34,000 Building $134,300 |
| 2022 | $777.00 Homeowner's exemption | $85,257 | $144,200 Land $30,600 Building $113,600 |
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.
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 Record 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.
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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