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1901 Kettle Creek Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1901 Kettle Creek Dr, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,199 sqft · built 2012
Lot Size0.198 acres (8,624 sqft)
Owner2 Individual Names on File
Last Sale$190,000 (Apr 2017)
Tax Bill$5,430 (2025)
Deeds & MortgagesApr 2026 Mortgage
Dec 2017 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN09-26-30-0081-0001-2270

Property Details

APN / Parcel Number

Primary APN09-26-30-0081-0001-2270
Alternative APNs
  • 263009008100012270
  • 158515

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,199 sqft Living Area
Gross Area2,655 sqft
1st Floor Area1,052 sqft
Upper Floors Area1,147 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2012
Effective Year BuiltEffective 2012
Architectural StyleL-Shape
Exterior MaterialConcrete Block
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,624 sqft (0.198 acres)
Garage TypeAttached
Garage Area400 sqft
Parking Spaces2 Parking Spaces
PorchFlorida Room
Porch Area56 sqft
Patio Area408 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address1901 KETTLE CREEK DR
CitySAINT CLOUD
StateFL
Zip34769-1842
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSPUD
Legal DescriptionANTHEM PARK PH 3A PB 20 PG 86-89 LOT 227
Legal Range30E
Legal Township26S
Legal Section09
Legal SubdivisionANTHEM PARK PH 3A
Legal Phase3A
Legal Tract81
Legal Block2270
Legal Lot Number227
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1011
Census Tract43208

Owner

1901 Kettle Creek Dr is owned and occupied by two individuals who bought it in April 2017.

Source: Osceola County records, as of April 21, 2026

Owner of Record2 Individual Names on File
Mailing Address1901 KETTLE CREEK DR, SAINT CLOUD, FL 34769-1842
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Apr 13, 2026Deed of Trust, Mortgage · Conventional Mortgage
ROCKET MORTGAGE LLC
Dec 5, 2017Deed of Trust, Mortgage · FHA Mortgage
FIRST GUARANTY MORTGAGE CORP
Apr 11, 2017Warranty Deed, Transfer · FHA Mortgage
HOMESIDE FINANCIAL LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 11, 2017 · Amount on File
Deed SaleApr 11, 2017 · Amount on File
Prior SaleOct 25, 2012 · Amount on File
Deed Document Number201754352
Deed Book / Page5130 / 2448
Record UpdatedOct 29, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateApr 13, 2026
Property Address1901 KETTLE CREEK DR, SAINT CLOUD, FL 34769-1842
Document Number0000048587
Book / Page6954 / 466
Instrument DateApr 8, 2026
Instrument202648587
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyROCKET MORTGAGE LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address1901 KETTLE CREEK DR, SAINT CLOUD, FL 34769-1842

Mortgage

Document Number0000048587,
DateApr 13, 2026
Book Page6954/466
Instrument202648587
Lender
NameROCKET MORTGAGE LLC
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term240 Months
DueMay 1, 2046
Interest
Rate TypeFixed Rate
Rate6.11%
Initial TypeFixed Rate
Max Rate-1%

December 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1901 KETTLE CREEK DR, SAINT CLOUD, FL 34769-1842
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0052482474
DateDec 5, 2017
Book Page5248/2474
Instrument2017172640
Lender
NameFIRST GUARANTY MORTGAGE CORP
TypeMortgage Company
AddressVIENNA, VA 22182
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueJan 1, 2048

April 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 11, 2017
Property Address1901 KETTLE CREEK DR, SAINT CLOUD, FL 34769-1842
Document Number0051302448
Book / Page5130 / 2448
Map ReferenceMB20 PG86-89
Instrument DateMar 7, 2017
Instrument2017054352
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyPREMIER TITLE OF CTRL FL LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,330.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1901 KETTLE CREEK DR, SAINT CLOUD, FL 34769-1842

Mortgage

Document Number0051302449
DateApr 11, 2017
Instrument5130/2449
Lender
NameHOMESIDE FINANCIAL LLC
TypeFunding / Finance Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueApr 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1901 Kettle Creek Dr was $5,430 with a homeowner's exemption, up 1% from the year before.

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$5,430.00 (+0.99%) Homeowner's exemption$222,886$332,800 Land $70,000 Building $262,800
2024$5,377.00 (+3.88%)
2023$5,176.00 (+3.31%) Homeowner's exemption$210,297 (+3%)$331,000 (+18.38%) Land $60,000 Building $271,000
2022$5,010.00 Homeowner's exemption$204,172$279,600 Land $55,000 Building $224,600

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

Flood

FEMA maps place 1901 Kettle Creek Dr in Zone X, an area of minimal flood risk.

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 File
median of 29 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies35 units insured
incl. 6 condo units

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

Wildfire risk around 1901 Kettle Creek Dr is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 57% of the US · lower than 70% of Florida
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 151 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		2,000 / 1,000
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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