2432 King Oak Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2432 King Oak Ct, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,126 sqft · built 1994
Lot Size	0.041 acres (1,785 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Apr 2019)
Tax Bill	$1,681 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-26-30-0043-0001-1050`

Property Details

APN / Parcel Number

Primary APN	`09-26-30-0043-0001-1050`
Alternative APNs	`263009004300011050` `83189`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,126 sqft Living Area
Gross Area	1,168 sqft
1st Floor Area	1,126 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,785 sqft (0.041 acres)
Lot Dimensions	52 ft deep x 34 ft wide
Porch	Unfinished Vinyl Porch
Porch Area	92 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2432 KING OAK CT
City	SAINT CLOUD
State	FL
Zip	34769-6671
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	KING OAK VILLAS PH 2 4TH ADDN PB 7 PG 165 LOT 105
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	KING OAK VILLAS PH 2 4TH ADD
Legal Phase	2
Legal Tract	43
Legal Block	1050
Legal Lot Number	105
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3004
Census Tract	43208

Owner

Source: Osceola County records, as of July 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2432 KING OAK CT, SAINT CLOUD, FL 34769-6671
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2022	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Apr 12, 2019	Warranty Deed, Transfer · FHA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 12, 2019 · Amount on Record
Deed Sale	Apr 12, 2019 · Amount on Record
Prior Sale	Dec 31, 2013 · Amount on Record
Deed Document Number	201946904
Deed Book / Page	5507 / 328
Prior Transfer Date	Jan 7, 2000
Prior Transfer Doc	1692000266
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2432 KING OAK CT, SAINT CLOUD, FL 34769-6671
Transaction Type	Mortgage
Record Updated	Sep 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2432 KING OAK CT, SAINT CLOUD, FL 34769-6671

Mortgage

Document Number	0062802625
Date	Sep 6, 2022
Book Page	6280/2625
Instrument	2022135238

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	319 Months
Due	Apr 1, 2049

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 12, 2019
Property Address	2432 KING OAK CT, SAINT CLOUD, FL 34769-6671
Document Number	0055070328
Book / Page	5507 / 0328
Map Reference	MB 7 PG 165
Instrument Date	Mar 5, 2019
Instrument	2019046904
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	QUALITY TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,015.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2667 DOTSONVILLE RD, 2667, CLARKSVILLE, TN 37042-6925

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2432 KING OAK CT, SAINT CLOUD, FL 34769-6671

Mortgage

Document Number	2019046905
Date	Apr 12, 2019
Instrument	2019046905

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$1,681.00 (-44.37%) Homeowner's exemption	$136,816 (+5.99%)	$220,000 (+12.3%) Land $30,000 Building $190,000
2023	$3,022.00 (+2.61%) Homeowner's exemption	$129,089 (+3%)	$195,900 (+32.99%) Land $14,900 Building $181,000
2022	$2,945.00 Homeowner's exemption	$125,330	$147,300 Land $14,900 Building $132,400

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

Flood

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 Record median of 25 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	25 in force

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

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

Wildfire Risk	Moderate above 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Xfinity.

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