Osceola County property record for 1701 Kentucky Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,782 sqft · built 1919 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on File |
| Last Sale | $265,000 (Oct 2022) |
| Tax Bill | $3,609 (2025) |
| Deeds & Mortgages | Jul 2023 Mortgage Mar 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1126300051000D0220 |
| Primary APN | 1126300051000D0220 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,782 sqft Heated Area |
| Gross Area | 2,124 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplace | Fireplace |
| Year Built | Built 1919 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Vinyl |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,970 sqft (0.16 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 209 sqft |
| Shed | 1 Shed |
| Shed Area | 312 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1701 KENTUCKY AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-5109 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | C W DOOPS SUB PB 1 PG 51 BLK D W 100 FT OF LOTS 22-24 ORD# 90-ZZ & ORD#90-DDD |
| Legal Subdivision | SOUTH OF 17TH ST AND MISSOURI |
| Legal Block | D |
| Legal Lot Number | 22-24 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 43303 |
1701 Kentucky Ave is owned and occupied by an individual who bought it in October 2022.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 1701 KENTUCKY AVE, SAINT CLOUD, FL 34769-5109 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 10, 2023 | Deed of Trust, Mortgage · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC |
| Mar 30, 2021 | Deed of Trust, Mortgage · Line of Credit ALICE ONG IRA |
| Oct 31, 2022 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 31, 2022 · Amount on File |
| Deed Sale | Oct 31, 2022 · Amount on File |
| Prior Sale | Nov 15, 2019 · Amount on File |
| Deed Document Number | 2022159714 |
| Deed Book / Page | 6307 / 2933 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1701 KENTUCKY AVE, SAINT CLOUD, FL 34769-5109 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2818 SERA BELLA WAY, KISSIMMEE, FL 34744-9310 |
| Document Number | 0064372146 |
|---|---|
| Date | Jul 10, 2023 |
| Book Page | 6437/2146 |
| Instrument | 2023088121 |
| Name | PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | CORONA, CA 92879 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1701 KENTUCKY AVE, SAINT CLOUD, FL 34769-5109 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3342 CORTLAND DR, DAVENPORT, FL 33837-1750 |
| Document Number | 0059232902 |
|---|---|
| Date | Mar 30, 2021 |
| Book Page | 5923/2902 |
| Instrument | 2021047471 |
| Name | ALICE ONG IRA |
|---|---|
| Type | Non-Lending Institution |
| Address | LONGWOOD, FL 32750 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 31, 2022 |
| Property Address | 1701 KENTUCKY AVE, SAINT CLOUD, FL 34769-5109 |
| Document Number | 0063072933 |
| Book / Page | 6307 / 2933 |
| Map Reference | MB 1 PG 51 |
| Instrument Date | Oct 24, 2022 |
| Instrument | 2022159714 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2023 |
| Title Company | FIDELITY NATL TTL OF FL INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,855.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3342 CORTLAND DR, DAVENPORT, FL 33837-1750 |
| Name | Verified Name |
|---|---|
| Address | 1701 KENTUCKY AVE, SAINT CLOUD, FL 34769-5109 |
| Document Number | 0063072935 |
|---|---|
| Date | Oct 31, 2022 |
| Instrument | 6307/2935 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Number | 0063072946 |
|---|---|
| Date | Oct 31, 2022 |
| Book Page | 6307/2946 |
| Instrument | 2022159716 |
| Name | FIRST AMERICAN MORTGAGE SOLUTIONS |
|---|---|
| Address | IDAHO FALLS, ID 83402 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 1701 Kentucky Ave was $3,609 with a homeowner's exemption.
Source: Osceola County assessment roll, as of July 1, 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 | $3,609.00 Homeowner's exemption | $244,512 | $260,900 Land $41,800 Building $219,100 |
| 2023 | $3,395.00 (+39.25%) Homeowner's exemption | $230,700 (+50.2%) Land $32,600 Building $198,100 | $230,700 (+50.2%) Land $32,600 Building $198,100 |
| 2022 | $2,438.00 | $153,600 Land $32,600 Building $121,000 | $153,600 Land $32,600 Building $121,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1701 Kentucky Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 38 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 38 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 risk around 1701 Kentucky Ave is low, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
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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