2500 King Oak Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2500 King Oak Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 886 sqft · built 1991
Lot Size	0.034 acres (1,481 sqft)
Owner	Individual Name on Record
Last Sale	$127,000 (Oct 2018)
Tax Bill	$1,174 (2025)
Deeds & Mortgages	Mar 2017 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-26-30-0038-0001-1500`

Property Details

APN / Parcel Number

Primary APN	`09-26-30-0038-0001-1500`
Alternative APNs	`263009003800011500` `83145`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	886 sqft Living Area
Gross Area	950 sqft
1st Floor Area	886 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,481 sqft (0.034 acres)
Lot Dimensions	52 ft deep x 28 ft wide
Porch	Finished/Open Porch
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2500 KING OAK CIR
City	SAINT CLOUD
State	FL
Zip	34769-6640
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	KING OAK VILLAS PHS 2 2ND ADDN PB 6 PG 197 LOT 150
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	KING OAK VILLAS PH 2 2ND ADD
Legal Tract	38
Legal Block	1500
Legal Lot Number	150
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 November 26, 2025

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	2500 KING OAK CIR, SAINT CLOUD, FL 34769-6640
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL FLORIDA EDUCATORS FCU
Oct 24, 2018	Warranty Deed, Transfer · Conventional Mortgage CENTRAL FLORIDA EDUCATORS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2018 · Amount on Record
Deed Sale	Oct 24, 2018 · Amount on Record
Prior Sale	Feb 28, 2006 · Amount on Record
Deed Document Number	2018158853
Deed Book / Page	5422 / 622
Prior Transfer Date	Oct 22, 2018
Prior Transfer Doc	0054220622
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2500 KING OAK CIR, SAINT CLOUD, FL 34769-6640
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051140473
Date	Mar 8, 2017
Book Page	5114/0473
Instrument	2017036968

Lender

Name	CENTRAL FLORIDA EDUCATORS FCU
Type	Credit Union
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 6, 2027

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 24, 2018
Property Address	2500 KING OAK CIR, SAINT CLOUD, FL 34769-6640
Document Number	0054220622
Book / Page	5422 / 0622
Map Reference	MB6 PG197
Instrument Date	Oct 22, 2018
Instrument	2018158853
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	MORTGAGEE TITLE SERVICESINC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$889.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2500 KING OAK CIR, SAINT CLOUD, FL 34769-6640

Mortgage

Document Number	2018158854
Date	Oct 24, 2018
Instrument	2018158854

Lender

Name	CENTRAL FLORIDA EDUCATORS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

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	$1,174.00 (+4.26%) Homeowner's exemption	$108,471 (+5.99%)	$195,600 (+13.19%) Land $30,000 Building $165,600
2024	$1,126.00 (+3.87%)
2023	$1,084.00 (+5.14%) Homeowner's exemption	$102,344 (+3%)	$172,800 (+32.31%) Land $14,900 Building $157,900
2022	$1,031.00 Homeowner's exemption	$99,364	$130,600 Land $14,900 Building $115,700

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	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.06% 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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