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1507 Kentucky Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1507 Kentucky Ave, Saint Cloud, FL 34769

Property Summary

Property TypeMulti-Family Dwellings
Details2 bd · 2 ba · 1,596 sqft · built 1910
Lot Size0.321 acres (13,983 sqft)
OwnerCompany Name on Record
Last Sale$300,000 (Dec 2025)
Tax Bill$4,550 (2025)
Deeds & MortgagesDec 2025 Sale
Mar 2023 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN79043

Property Details

APN / Parcel Number

Primary APN79043
Alternative APN
  • 012630000103050190

Interior

Bedrooms2 Beds
Full Baths2 Baths
Units2 Units
Stories1 Story
Building Area1,596 sqft Heated Area
Gross Area1,694 sqft
1st Floor Area1,498 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1910
Effective Year BuiltEffective 1970
Exterior MaterialAluminum Siding
Foundation TypePier/Post & Beam
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area13,983 sqft (0.321 acres)
Lot Dimensions140 ft deep x 100 ft wide

Exterior Amenities

PorchEnclosed Porch
Porch Area196 sqft
Shed1 Shed
Shed Area80 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number79043
Street Address1507 KENTUCKY AVE
CitySAINT CLOUD
StateFL
Zip34769-4343
Property CategoryResidential
Property TypeResidential > Multi-Unit > Multi-Family Dwellings
Local Zoning CodeSR2
Legal DescriptionST CLOUD PB B PG 34 BLK 305 LOTS 19-22 11/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD MULTIFAM SOUTH
Legal Tract1
Legal Block305
Legal Lot Number19 20
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2034
Census Tract43500

Owner

Source: Osceola County records, as of December 26, 2025

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

Owner of RecordCompany Name on Record
Co-ownerCo-owner on Record
Mailing Address18115 N US HIGHWAY 41 STE 600, 600, LUTZ, FL 33549-6473
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
Dec 16, 2025Special Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Mar 8, 2023Special Warranty Deed, Transfer · Conventional Mortgage
UNION HOME MORTGAGE CORP
Jul 7, 2022Warranty Deed, Transfer · Balloon Mortgage
CAPITAL FUNDINGS LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 16, 2025 · Amount on Record
Deed SaleDec 16, 2025 · Amount on Record
Prior SaleMar 8, 2023 · Amount on Record
Deed Document Number2025153590
Deed Book / Page6894 / 1575
Record UpdatedJun 8, 2026

December 2025: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 16, 2025
Property Address1507 KENTUCKY AVE, SAINT CLOUD, FL 34769-4343
Document Number0068941575
Book / Page6894 / 1575
Map ReferenceMB B PG 33&34
Instrument DateDec 12, 2025
Instrument2025153590
Transaction TypeTransfer
Record UpdatedDec 29, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$2,100.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6601 N 9TH ST, TAMPA, FL 33604-5601

Transferred To (Grantee/Buyer)

NameVerified Name
Address18115 N US HIGHWAY 41 STE 600, 600, LUTZ, FL 33549-6473

March 2023: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 8, 2023
Property Address1507 KENTUCKY AVE, SAINT CLOUD, FL 34769-4343
Document Number0063681288
Book / Page6368 / 1288
Map ReferenceMB B PG 33&34
Instrument DateMar 7, 2023
Instrument2023027291
Transaction TypeTransfer
Record UpdatedMar 20, 2023
Title CompanyNOT AVAILABLE, RTR TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,207.80
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5728 NAJOR BLVD #180180, 180180, SAND LAKE, FL 32819

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address41 E PINE ST # 1106, 1106, ORLANDO, FL 32801-2607

Mortgage

Document Number0063681290
DateMar 8, 2023
Instrument6368/1290
Lender
NameUNION HOME MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2053

July 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 7, 2022
Property Address1507 KENTUCKY AVE, SAINT CLOUD, FL 34769-4343
Document Number0062470330
Book / Page6247 / 330
Map ReferenceMB B PG 33&34
Instrument DateJun 29, 2022
Instrument2022105197
Transaction TypeTransfer
Record UpdatedJul 21, 2022
Title CompanyNOT AVAILABLE, RTR TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,400.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 59, SPRINGVILLE, PA 18844-0059

Transferred To (Grantee/Buyer)

NameVerified Name
Address5728 MAJOR BONLEVARD #180 # 180, 180, ORLANDO, FL 32819-7938

Mortgage

Document Number0006247334
DateJul 7, 2022
Instrument6247/334
Lender
NameCAPITAL FUNDINGS LLC
TypeNon-Lending Institution
Agreement
TypeBalloon Mortgage
AmountAmount Recorded
Term12 Months
DueJul 1, 2023

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$4,550.00 (+2.62%)$253,800 (+3.25%) Land $60,000 Building $193,800$253,800 (+3.25%) Land $60,000 Building $193,800
2023$4,434.00 (+91.45%)$245,800 (+68.93%) Land $52,000 Building $193,800$245,800 (+68.93%) Land $52,000 Building $193,800
2022$2,316.00$145,500 Land $52,000 Building $93,500$145,500 Land $52,000 Building $93,500

Assessed value is set for property tax purposes, not a market price estimate; it is 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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