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1910 Kettle Creek Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1910 Kettle Creek Dr, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,760 sqft · built 2013
Lot Size0.134 acres (5,837 sqft)
OwnerCompany Name on File
Last Sale$357,000 (Sep 2022)
Tax Bill$7,539 (2025)
Deeds & MortgagesJul 2023 Mortgage
Jul 2023 Transfer
+ 3 more
Flood ZoneZone X (minimal risk)
APN09-26-30-0081-0001-2250

Property Details

APN / Parcel Number

Primary APN09-26-30-0081-0001-2250
Alternative APNs
  • 263009008100012250
  • 158513

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,760 sqft Living Area
Gross Area2,290 sqft
1st Floor Area1,760 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2013
Effective Year BuiltEffective 2013
Architectural StyleConventional
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,837 sqft (0.134 acres)
Garage TypeAttached
Garage Area400 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area130 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address1910 KETTLE CREEK DR
CitySAINT CLOUD
StateFL
Zip34769-1846
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSPUD
Legal DescriptionANTHEM PARK PH 3A PB 20 PG 86-89 LOT 225
Legal Range30E
Legal Township26S
Legal Section09
Legal SubdivisionANTHEM PARK PH 3A
Legal Phase3A
Legal Tract81
Legal Block2250
Legal Lot Number225
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1019
Census Tract43208

Owner

1910 Kettle Creek Dr is owned by a company that acquired it in July 2023.

Source: Osceola County records, as of July 20, 2026

Owner of RecordCompany Name on File
Mailing Address15771 RED HILL AVE, 100, TUSTIN, CA 92780-7333
Owner TypeCompany
VestingLimited Liability Partnership

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
Jul 27, 2023Deed of Trust, Mortgage · Commercial Mortgage
MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
Jul 12, 2023Intrafamily Transfer, Transfer
OS NATIONAL LLC
Sep 14, 2022Warranty Deed, Transfer
OS NATIONAL LLC
Apr 24, 2017Deed of Trust, Mortgage · Stand-Alone Second Mortgage
FLORIDA HOUSING FINANCE CORP
Feb 1, 2017Loan Modification, Mortgage · Conventional Mortgage
JP MORGAN CHASE BK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 14, 2022 · Amount on File
Deed SaleSep 14, 2022 · Amount on File
Prior SaleFeb 11, 2013 · Amount on File
Deed Document Number2022139431
Deed Book / Page6285 / 1167
Last Transfer DateJul 11, 2023
Transfer Doc0064391933
Record UpdatedOct 29, 2026

July 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1910 KETTLE CREEK DR, SAINT CLOUD, FL 34769-1846
Transaction TypeMortgage
Record UpdatedAug 15, 2023
Title CompanyOS NATIONAL LLC

Transferred To (Grantee/Buyer)

NameVerified Name
InvestorPossibly a Property Investor

Mortgage

Document Number0064470306
DateJul 27, 2023
Book Page6447/306
Instrument2023096867
Lender
NameMORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
TypeMortgage Company
AddressNEW YORK, NY 10036
Agreement
TypeCommercial Mortgage
AmountAmount on Record

July 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateJul 12, 2023
Property Address1910 KETTLE CREEK DR, SAINT CLOUD, FL 34769-1846
Document Number0064391933
Book / Page6439 / 1933
Map ReferenceMB 20 PG 86-89
Instrument DateJul 11, 2023
Instrument2023089938
Transaction TypeTransfer
Record UpdatedJul 28, 2023
Title CompanyOS NATIONAL LLC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address15771 RED HILL AVE # AVE100, AVE100, TUSTIN, CA 92780-7333

Transferred To (Grantee/Buyer)

NameVerified Name
Address15771 RED HILL AVE STE 100, 100, TUSTIN, CA 92780-7333
InvestorPossibly a Property Investor

September 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 14, 2022
Property Address1910 KETTLE CREEK DR, SAINT CLOUD, FL 34769-1846
Document Number0062851167
Book / Page6285 / 1167
Map ReferenceMB 20 PG 86-89
Instrument DateSep 7, 2022
Instrument2022139431
Transaction TypeTransfer
Record UpdatedSep 28, 2022
Title CompanyOS NATIONAL LLC

Transaction

AmountAmount on Record
Tax$2,499.00
Amount AccuracyRounded by County
Additional
  • Lis Pendens
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 15087, SANTA ANA, CA 92735-0087
InvestorPossibly a Property Investor

April 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1910 KETTLE CREEK DR, SAINT CLOUD, FL 34769-1846
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0051370109
DateApr 24, 2017
Book Page5137/0109
Instrument2017060728
Lender
NameFLORIDA HOUSING FINANCE CORP
TypeFunding / Finance Company
AddressTALLAHASSEE, FL 32301
Agreement
TypeStand-Alone Second Mortgage
AmountAmount on Record
Term120 Months
DueApr 23, 2027

February 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address1910 KETTLE CREEK DR, SAINT CLOUD, FL 34769-1846
Document Number0050992537
Book / Page005099 / 002537
Instrument DateFeb 1, 2017
Transaction TypeMortgage
Record UpdatedMar 17, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1910 KETTLE CREEK DR ST CLOUD FL 347691846, ST CLOUD, FL 34769-1846

Mortgage

Document Number0050992537
DateFeb 8, 2017
Book Page005099/002537
Instrument22178
Lender
NameJP MORGAN CHASE BK
TypeBank
AddressCOLUMBUS, OH 43240
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term300 Months
DueFeb 7, 2042
Interest
Rate3.25%

Tax Assessment & Valuation

The 2025 property tax bill for 1910 Kettle Creek Dr was $7,539, down 2.7% 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$7,539.00 (-2.71%)$297,600 Land $70,000 Building $227,600$297,600 Land $70,000 Building $227,600
2024$7,749.00 (+3.86%)
2023$7,461.00 (+70.85%)$294,800 (+74.94%) Land $60,000 Building $234,800$294,800 (+18.25%) Land $60,000 Building $234,800
2022$4,367.00 Homeowner's exemption$168,516$249,300 Land $55,000 Building $194,300

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1910 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 1910 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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