15 Kentucky Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 15 Kentucky Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,080 sqft · built 1957
Lot Size	0.172 acres (7,492 sqft)
Owner	Company Name on File
Tax Bill	$723 (2025)
Deeds & Mortgages	May 2019 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`01-26-30-0650-0001-0655`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0650-0001-0655`
Alternative APNs	`263001065000010655` `80758`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,080 sqft Living Area
Gross Area	1,330 sqft
1st Floor Area	780 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1972
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	250 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	240 sqft
Patio Area	315 sqft
Shed	1 Shed
Shed Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	15 KENTUCKY AVE
City	SAINT CLOUD
State	FL
Zip	34769-2314
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1A
Legal Description	ST CLOUD BLVD LOTS PB B PG 061 N 1/2 OF S 1/2 OF LOT 65
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	LAKE FRONT ADD TO TOWN OF ST CLOUD
Legal Tract	650
Legal Block	655
Legal Lot Number	65
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1004
Census Tract	43500

Owner

Source: Osceola County records · APN 01-26-30-0650-0001-0655

Assessment roll updated November 26, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	15 KENTUCKY AVE, SAINT CLOUD, FL 34769-2314
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 25, 2010
Deed Sale	Feb 25, 2010
Prior Sale	Nov 12, 2009 · Amount on Record
Deed Document Number	201027283
Deed Book / Page	3953 / 917
Last Transfer Date	Nov 06, 2014
Transfer Doc	0046940529
Record Updated	Jun 08, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	15 KENTUCKY AVE, SAINT CLOUD, FL 34769-2314
Document Number	0055370518
Instrument Date	May 23, 2019
Transaction Type	Mortgage
Record Updated	Jun 21, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	15 KENTUCKY AVE ST CLOUD FL 347692314, ST CLOUD, FL 34769-2314

Mortgage

Document Number	0055370518
Date	Jun 07, 2019
Book Page	005537/000518
Instrument	73540

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 06, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$723.00 (+5.24%) Homeowner's exemption Widower's exemption	$88,303 (+5.99%)	$181,900 (+23.32%) Land $58,500 Building $123,400
2024	$687.00 (+5.53%)
2023	$651.00 (-5.52%) Homeowner's exemption Widower's exemption	$83,316 (+3%)	$147,500 (+16.42%) Land $50,700 Building $96,800
2022	$689.00 Homeowner's exemption Widower's exemption	$80,890	$126,700 Land $42,900 Building $83,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	61.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 17 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	1 (1994)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 1994 · rainfall accumulation

Wildfire

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 306 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.