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1709 Kentucky Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1709 Kentucky Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,599 sqft · built 2023
Lot Size0.22 acres (9,583 sqft)
OwnerIndividual Name on Record
Last Sale$390,000 (Jul 2023)
Tax Bill$2,907 (2025)
Deeds & MortgagesJul 2023 Sale
Feb 2022 Construction Loan
+ 5 more
Flood ZoneZone X (minimal risk)
APN11-26-30-0051-000D-0190

Property Details

APN / Parcel Number

Primary APN11-26-30-0051-000D-0190
Alternative APNs
  • 2630110051000D0190
  • 83644

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,599 sqft Living Area
Gross Area1,982 sqft
1st Floor Area1,599 sqft
Upper Floors Area240 sqft
FlooringCarpet
Interior WallsPlaster

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Architectural StyleConventional
Exterior MaterialConcrete Block
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,583 sqft (0.22 acres)
Lot Dimensions140 ft deep x 50 ft wide
Garage TypeAttached
Garage Area323 sqft
PorchFinished/Open Porch
Porch Area209 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address1709 KENTUCKY AVE
CitySAINT CLOUD
StateFL
Zip34769-5109
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR2
Legal DescriptionC W DOOPS SUB PB 1 PG 51 BLK D LOTS 19, 20 & W 100 FT OF LOT 21 ORD# 90-ZZ & ORD#90-DDD
Legal Range30E
Legal Township26S
Legal Section11
Legal SubdivisionC W DOOPS
Legal Tract51
Legal BlockD
Legal Lot Number19
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2025
Census Tract43303

Owner

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 RecordIndividual Name on Record
Mailing Address1709 KENTUCKY AVE, SAINT CLOUD, FL 34769-5109
OccupancyOwner Occupied
Owner TypeIndividual
VestingMarried Man, Separate Property

Deeds, Mortgages & Sale History

DateDocument
Jul 10, 2023Warranty Deed, Transfer
Feb 3, 2022Deed of Trust, Mortgage · Construction Mortgage
ORLAND FUND INC
Apr 1, 2021Warranty Deed, Transfer
CELEBRATION TITLE GROUP
Jul 20, 2020Quit Claim Deed, Transfer
NOT AVAILABLE
Nov 15, 2019Warranty Deed, Transfer
CORE TITLE SERVICES LLC, CORE TITLE SVCS LLC
Jun 11, 2019Warranty Deed, Transfer
THE TITLE STATION INC
Jun 11, 2019Warranty Deed, Transfer
THE TITLE STATION INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 10, 2023 · Amount on Record
Deed SaleJul 10, 2023 · Amount on Record
Prior SaleJun 11, 2019 · Amount on Record
Deed Document Number202388120
Deed Book / Page6437 / 2144
Prior Transfer DateJun 30, 2020
Prior Transfer Doc0057580366
Record UpdatedJun 8, 2026

July 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 10, 2023
Property Address1709 KENTUCKY AVE, SAINT CLOUD, FL 34769-5109
Document Number0064372144
Book / Page6437 / 2144
Map ReferenceMB 1 PG 51
Instrument DateJun 26, 2023
Instrument2023088120
Transaction TypeTransfer
Record UpdatedJan 22, 2024

Transaction

AmountAmount Recorded
Tax$2,730.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4725 W SAND LAKE RD STE 201, 201, ORLANDO, FL 32819-9510

Transferred To (Grantee/Buyer)

NameVerified Name
Address1709 KENTUCKY AVE, SAINT CLOUD, FL 34769-5109

February 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1709 KENTUCKY AVE, SAINT CLOUD, FL 34769-5109
Transaction TypeMortgage
Record UpdatedFeb 17, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address1802 N ALAFAYA TRL 122, 122, ORLANDO, FL 32826-4716

Mortgage

Document Number0061430811
DateFeb 3, 2022
Book Page6143/811
Instrument2022018631
Lender
NameORLAND FUND INC
TypeNon-Lending Institution
AddressORLANDO, FL 32819
Agreement
TypeConstruction Mortgage
AmountAmount Recorded

April 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 1, 2021
Property Address1709 KENTUCKY AVE, SAINT CLOUD, FL 34769-5109
Document Number0059252774
Book / Page5925 / 2774
Map ReferenceMB 1 PG 51
Instrument DateMar 16, 2021
Instrument2021048962
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyCELEBRATION TITLE GROUP

Transaction

AmountAmount Recorded
Tax$336.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address251 W TROPICAL WAY, 251, PLANTATION, FL 33317-3326

Transferred To (Grantee/Buyer)

NameVerified Name
Address1902 N ALAFAYA TRL # 122, 122, ORLANDO, FL 32826

July 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateJul 20, 2020
Property Address1709 KENTUCKY AVE, SAINT CLOUD, FL 34769-5109
Document Number0057580366
Book / Page005758 / 000366
Instrument DateJul 1, 2020
Instrument94485
Transaction TypeTransfer
Record UpdatedAug 26, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address251 W TROPICAL WAY PLANTATION FL 333173326, PLANTATION, FL 33317-3326

November 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 15, 2019
Property Address1709 KENTUCKY AVE, SAINT CLOUD, FL 34769-5109
Document Number0056241600
Book / Page005624 / 001600
Instrument DateNov 15, 2019
Instrument149117
Transaction TypeTransfer
Record UpdatedDec 6, 2019
Title CompanyCORE TITLE SERVICES LLC, CORE TITLE SVCS LLC

Transaction

AmountAmount Recorded
Tax$203.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address241 W TROPICAL WAY PLANTATION FL 333173326, PLANTATION, FL 33317-3326

June 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 11, 2019
Property Address1709 KENTUCKY AVE, SAINT CLOUD, FL 34769-5109
Document Number0055382918
Book / Page005538 / 002918
Instrument DateJun 10, 2019
Instrument75040
Transaction TypeTransfer
Record UpdatedJun 21, 2019
Title CompanyTHE TITLE STATION INC

Transaction

AmountAmount Recorded
Tax$595.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address813 NEW YORK AVE ST CLOUD FL 347693359, ST CLOUD, FL 34769-3359

June 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 11, 2019
Property Address1709 KENTUCKY AVE, SAINT CLOUD, FL 34769-5109
Document Number0055382919
Book / Page005538 / 002919
Instrument DateJun 6, 2019
Instrument75041
Transaction TypeTransfer
Record UpdatedJun 21, 2019
Title CompanyTHE TITLE STATION INC

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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$2,907.00 (+3.6%)$205,290 (+486.54%)$305,800 (+773.71%) Land $45,000 Building $260,800
2024$2,806.00 (+345.4%)
2023$630.00$35,000 (-) Land $35,000$35,000 (-) Land $35,000
2022$630.00$35,000 Land $35,000$35,000 Land $35,000

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
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 38 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies38 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 62% of the US · lower than 89% of Florida
Wildfire Likelihood0.07% annual chance
ExposureDirect
burnable vegetation

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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