1601 Kentucky Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1601 Kentucky Ave, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	2 Baths
Year Built	Built 1978
Square Footage	1,438 sqft Heated Area
Lot Size	10,454 sqft (0.239 acres)
Occupancy	Owner Occupied
Last Sale	$140,000 (2016)
Tax Bill	$4,045.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`79275`
Alternative APN	`012630000103340160`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,438 sqft Heated Area
Gross Area	2,036 sqft Gross Area
1st Floor	1,088 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Vinyl/Resilient Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1978
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	10,454 sqft (0.239 acres)
Depth X Width	140 ft x 75 ft Depth x Width

Exterior Amenities

Fence	Fence
Shed	1 Shed
Shed Area	96 sqft Shed
Porch	Enclosed Porch
Porch Area	822 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	79275
Street Address	1601 KENTUCKY AVE
City	SAINT CLOUD
State	FL
Zip	34769-4345
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	ST CLOUD PB B PG 34 BLK 334 LOTS 16-18 11/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	334
Legal Lot Number	16 17
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	2
Census Block	2041
Census Tract	43500

Owner

Source: Osceola County records · APN 79275

Assessment roll updated July 1, 2025 · Last verified December 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 File
Mailing Address	1601 KENTUCKY AVE, SAINT CLOUD, FL 34769-4345
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 17, 2016 · Amount on Record
Deed Sale	Jun 17, 2016 · Amount on Record
Prior Sale	Sep 24, 1997 · Amount on Record
Deed Doc Number	0004978390
Deed Book / Page	4978 / 390
Record Refreshed	Jun 08, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1601 KENTUCKY AVE, SAINT CLOUD, FL 34769-4345
Transaction Type	Mortgage
Record Updated	Jun 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1601 KENTUCKY AVE, SAINT CLOUD, FL 34769-4345

Mortgage

Document Number	0062270540
Date	Jun 06, 2022
Book Page	6227/540
Instrument	2022087790

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 01, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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	$4,045.00 (+6.17%) Homeowner's exemption	$268,889 (+5.99%)	$281,700 (+11.04%) Land $55,000 Building $226,700
2023	$3,810.00 (+8.15%) Homeowner's exemption	$253,700 (+11.03%) Land $50,000 Building $203,700	$253,700 (+11.03%) Land $50,000 Building $203,700
2022	$3,523.00	$228,500 Land $45,000 Building $183,500	$228,500 Land $45,000 Building $183,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.