Osceola County property record for 1920 Kettle Creek Dr, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,742 sqft · built 2013 |
| Lot Size | 0.133 acres (5,837 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,337 (2025) |
| Deeds & Mortgages | Dec 2022 Line of Credit Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 158512 |
| Primary APN | 158512 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,742 sqft Heated Area |
| Gross Area | 3,233 sqft |
| 1st Floor Area | 1,163 sqft |
| Upper Floors Area | 1,579 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,837 sqft (0.133 acres) |
| Garage Type | Finished |
| Garage Area | 437 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 54 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 158512 |
|---|---|
| Street Address | 1920 KETTLE CREEK DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-1846 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SPUD |
| Legal Description | ANTHEM PARK PH 3A PB 20 PG 86-89 LOT 224 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 09 |
| Legal Subdivision | ANTHEM PARK |
| Legal Phase | 3A |
| Legal Tract | 81 |
| Legal Block | 1 |
| Legal Lot Number | 224 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 43208 |
1920 Kettle Creek Dr is owned and occupied by two individuals who acquired it in July 2014.
Source: Osceola County records, as of December 11, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 1920 KETTLE CREEK DR, SAINT CLOUD, FL 34769-1846 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 2, 2022 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Jul 8, 2021 | Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 29, 2014 |
| Deed Sale | Jul 29, 2014 |
| Deed Document Number | 0004648629 |
| Deed Book / Page | 4462 / 1085 |
| Prior Transfer Date | Jun 25, 2013 |
| Prior Transfer Doc | 2013097928 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1920 KETTLE CREEK DR, SAINT CLOUD, FL 34769-1846 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2022 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 1920 KETTLE CREEK DR, SAINT CLOUD, FL 34769-1846 |
| Document Number | 0063240400 |
|---|---|
| Date | Dec 2, 2022 |
| Book Page | 6324/400 |
| Instrument | 2022173956 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 18, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1920 KETTLE CREEK DR, SAINT CLOUD, FL 34769-1846 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 1990 KETTUE CREEK DR, SAINT CLOUD, FL 34769-1846 |
| Document Number | 0059972142 |
|---|---|
| Date | Jul 8, 2021 |
| Book Page | 5997/2142 |
| Instrument | 2021106051 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2051 |
The 2025 property tax bill for 1920 Kettle Creek Dr was $5,337 with exemptions applied.
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 | $5,337.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $222,671 | $338,300 Land $70,000 Building $268,300 |
| 2023 | $5,172.00 (+3.32%) Homeowner's exemption | $210,094 (+3%) | $336,700 (+12.61%) Land $60,000 Building $276,700 |
| 2022 | $5,006.00 Homeowner's exemption | $203,975 | $299,000 Land $55,000 Building $244,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1920 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 Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 29 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 35 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 risk around 1920 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 Risk | Moderate above 57% of the US · lower than 70% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 151 locations within half a mile, as of December 31, 2025
| Provider | Max 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures