Osceola County property record for 1930 Kettle Creek Dr, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,199 sqft · built 2013 |
| Lot Size | 0.134 acres (5,837 sqft) |
| Owner | Individual Name on File |
| Last Sale | $185,000 (Jun 2013) |
| Tax Bill | $4,731 (2025) |
| Deeds & Mortgages | Jan 2023 Mortgage Sep 2018 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-26-30-0081-0001-2230 |
| Primary APN | 09-26-30-0081-0001-2230 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,199 sqft Living Area |
| Gross Area | 2,823 sqft |
| 1st Floor Area | 1,052 sqft |
| Upper Floors Area | 1,147 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | L-Shape |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,837 sqft (0.134 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 224 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1930 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 223 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 09 |
| Legal Subdivision | ANTHEM PARK PH 3A |
| Legal Phase | 3A |
| Legal Tract | 81 |
| Legal Block | 2230 |
| Legal Lot Number | 223 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 43208 |
1930 Kettle Creek Dr is owned and occupied by an individual who bought it in June 2013.
Source: Osceola County records, as of July 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1930 KETTLE CREEK DR, SAINT CLOUD, FL 34769-1846 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 26, 2023 | Deed of Trust, Mortgage · USDA Mortgage NATIONSTAR MORTGAGE LLC |
| Sep 27, 2018 | Loan Modification, Mortgage · Conventional with PMI MR COOPER |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 6, 2013 · Amount on File |
| Deed Sale | Jun 6, 2013 · Amount on File |
| Deed Document Number | 201389910 |
| Deed Book / Page | 4453 / 2887 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1930 KETTLE CREEK DR, SAINT CLOUD, FL 34769-1846 |
| Transaction Type | Mortgage |
| Record Updated | Feb 14, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1930 KETTLE CREEK DR, SAINT CLOUD, FL 34769-1846 |
| Document Number | 0063491313 |
|---|---|
| Date | Jan 26, 2023 |
| Book Page | 6349/1313 |
| Instrument | 2023010084 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 244 Months |
| Due | May 1, 2043 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1930 KETTLE CREEK DR, SAINT CLOUD, FL 34769-1846 |
| Document Number | 0054181042 |
| Instrument Date | Sep 27, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2018 |
| Title Company | CORELOGIC-SOLUTIONS EXPRESS |
| Name | Verified Name |
|---|---|
| Address | 1930 KETTLE CREEK DR ST CLOUD FL 347691846, ST CLOUD, FL 34769-1846 |
| Document Number | 0054181042 |
|---|---|
| Date | Oct 16, 2018 |
| Book Page | 005418/001042 |
| Instrument | 155019 |
| Name | MR COOPER |
|---|---|
| Address | DALLAS, TX 75019 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Oct 15, 2043 |
| Rate | 3.25% |
|---|
The 2025 property tax bill for 1930 Kettle Creek Dr was $4,731 with a homeowner's exemption, up 0.7% from the year before.
Source: Osceola County assessment roll, as of November 26, 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 | $4,731.00 (+0.66%) Homeowner's exemption | $183,860 | $320,600 Land $70,000 Building $250,600 |
| 2024 | $4,700.00 (+4.14%) | ||
| 2023 | $4,513.00 (+3.37%) Homeowner's exemption | $173,475 (+3%) | $318,500 (+18.4%) Land $60,000 Building $258,500 |
| 2022 | $4,366.00 Homeowner's exemption | $168,423 | $269,000 Land $55,000 Building $214,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1930 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 1930 Kettle Creek Dr is high, ranking above 72% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 72% of the US · above 55% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
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 22 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 |
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