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1818 Kentucky Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1818 Kentucky Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,840 sqft · built 2021
Lot Size0.289 acres (12,632 sqft)
OwnerIndividual Name on Record
Last Sale$319,000 (Dec 2021)
Tax Bill$6,451 (2025)
Deeds & MortgagesDec 2021 Sale & Mortgage
Sep 2020 Construction Loan
+ 1 more
Flood ZoneZone X (minimal risk)
APN112630495000010532

Property Details

APN / Parcel Number

Primary APN112630495000010532

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,840 sqft Heated Area
Gross Area2,462 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2021
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area12,632 sqft (0.289 acres)
Garage TypeFinished
PorchOpen Porch

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address1818 KENTUCKY AVE
CitySAINT CLOUD
StateFL
Zip34769-5106
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionS L & I C PB B PG 2 COM AT NW COR OF LOT 53, E 337.44 FT TO POB; S 140.46 FT, W 90 FT, N 140.68 FT, E 90 FT TO POB
Legal Range30E
Legal Township26S
Legal Section11
Legal SubdivisionSEMINOLE LAND&INV CO
Legal Tract4950
Legal Lot Number53
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2025
Census Tract43303

Owner

Source: Osceola County records, as of December 11, 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
Co-ownerCo-owner on Record
Mailing Address1818 KENTUCKY AVE, SAINT CLOUD, FL 34769-5106
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 28, 2021Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
AMERISAVE MORTGAGE CORP
Sep 3, 2020Deed of Trust, Construction Loan · Construction Mortgage
PEAK EQUITY GROUP LLC PEAK EQUITY GROUP LLC
Jun 10, 2020Warranty Deed, Transfer
NU WORLD TITLE/CTRL FL LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 28, 2021 · Amount on Record
Deed SaleDec 28, 2021 · Amount on Record
Prior SaleJun 10, 2020 · Amount on Record
Deed Document Number2021200416
Deed Book / Page6117 / 1513
Record UpdatedJun 8, 2026

December 2021: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 28, 2021
Property Address1818 KENTUCKY AVE, SAINT CLOUD, FL 34769-5106
Document Number0061171513
Book / Page6117 / 1513
Instrument DateDec 16, 2021
Instrument2021200416
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 10, 2023
Title CompanyNU WORLD TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,233.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1500 PARK CENTER DR, ORLANDO, FL 32835-5704

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address2004 LOVE RD, GRAND ISLAND, NY 14072-2583

Mortgage

Document Number0061171519
DateDec 28, 2021
Instrument6117/1519
Lender
NameAMERISAVE MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueJan 1, 2037

September 2020: Deed of Trust, Construction Loan

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateSep 3, 2020
Property Address1818 KENTUCKY AVE, SAINT CLOUD, FL 34769-5106
Document Number0057870306
Book / Page005787 / 000306
Instrument DateAug 19, 2020
Instrument117310
Transaction TypeConstruction Loan
Record UpdatedSep 25, 2020
Title CompanyHOMELAND TITLE SOURCE LLC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address7485 CONROY WINDERMERE RD #D ORLANDO FL 328352767, D, ORLANDO, FL 32835-2767

Mortgage

Document Number57870306
DateSep 3, 2020
Book Page005787/000306
Instrument117310
Lender
NamePEAK EQUITY GROUP LLC PEAK EQUITY GROUP LLC
TypeBank
AddressLENEXA, KS 66215
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term12 Months
DueSep 2, 2021

June 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 10, 2020
Property Address1818 KENTUCKY AVE, SAINT CLOUD, FL 34769-5106
Document Number0057351091
Book / Page005735 / 001091
Instrument DateMay 29, 2020
Instrument74398
Transaction TypeTransfer
Record UpdatedJul 30, 2020
Title CompanyNU WORLD TITLE/CTRL FL LLC

Transaction

AmountAmount Recorded
Tax$245.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address7682 DR PHILLIPS BLVD #B ORLANDO FL 328195152, B, ORLANDO, FL 32819-5152

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$6,451.00 (+1.83%) Homeowner's exemption$403,300 (+2.39%) Land $50,000 Building $353,300$403,300 (+2.39%) Land $50,000 Building $353,300
2023$6,335.00 (+44.54%) Homeowner's exemption$393,900 (+62.1%) Land $50,000 Building $343,900$393,900 (+62.1%) Land $50,000 Building $343,900
2022$4,383.00$243,000 Land $45,000 Building $198,000$243,000 Land $45,000 Building $198,000

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

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 100 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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