1971 Kettle Creek Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1971 Kettle Creek Dr, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,682 sqft · built 2013
Lot Size	0.139 acres (6,055 sqft)
Owner	Individual Name on File
Last Sale	$270,000 (Feb 2019)
Tax Bill	$6,226 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`158521`

Property Details

APN / Parcel Number

Primary APN	`158521`
Alternative APN	`092630008100012330`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,682 sqft Heated Area
Gross Area	3,341 sqft
1st Floor Area	1,163 sqft
Upper Floors Area	1,519 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,055 sqft (0.139 acres)
Garage Type	Finished
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	222 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	158521
Street Address	1971 KETTLE CREEK DR
City	SAINT CLOUD
State	FL
Zip	34769-1842
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 233
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	233
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1011
Census Tract	43208

Owner

1971 Kettle Creek Dr is owned and occupied by an individual who bought it in February 2019.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1971 KETTLE CREEK DR, SAINT CLOUD, FL 34769-1842
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Feb 11, 2019	Warranty Deed, Transfer · FHA Mortgage RP FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 11, 2019 · Amount on File
Deed Sale	Feb 11, 2019 · Amount on File
Deed Document Number	2019017769
Deed Book / Page	5475 / 1750
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1971 KETTLE CREEK DR, SAINT CLOUD, FL 34769-1842
Transaction Type	Mortgage
Record Updated	Oct 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1971 KETTLE CREEK DR, SAINT CLOUD, FL 34769-1842

Mortgage

Document Number	0060652623
Date	Oct 14, 2021
Book Page	6065/2623
Instrument	2021160694

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 11, 2019
Property Address	1971 KETTLE CREEK DR, SAINT CLOUD, FL 34769-1842
Document Number	0054751750
Book / Page	5475 / 1750
Map Reference	MB 20 PG 86-88
Instrument Date	Feb 7, 2019
Instrument	2019017769
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	UNITED TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,890.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	147 ALDERWOOD DR, 147, KISSIMMEE, FL 34743-9504

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1971 KETTLE CREEK DR, SAINT CLOUD, FL 34769-1842

Mortgage

Document Number	2019017770
Date	Feb 11, 2019
Instrument	2019017770

Lender

Name	RP FUNDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1971 Kettle Creek Dr was $6,226 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,226.00 Homeowner's exemption	$267,365	$373,200 Land $70,000 Building $303,200
2023	$5,932.00 (+3.27%) Homeowner's exemption	$252,263 (+3%)	$372,900 (+18.64%) Land $60,000 Building $312,900
2022	$5,744.00 Homeowner's exemption	$244,916	$314,300 Land $55,000 Building $259,300

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

Flood

FEMA maps place 1971 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

Wildfire risk around 1971 Kettle Creek Dr is moderate, ranking above 58% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 58% of the US · lower than 68% of Florida
Wildfire Likelihood	0.2% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 469 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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