2521 King Oak Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2521 King Oak Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Townhouse
Details	2 bd · 2 ba · 886 sqft · built 1992
Lot Size	0.03 acres (1,307 sqft)
Owner	2 Individual Names on Record
Last Sale	$123,000 (Apr 2018)
Tax Bill	$1,226 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`83150`

Property Details

APN / Parcel Number

Primary APN	`83150`
Alternative APN	`092630003900010790`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	886 sqft Heated Area
Gross Area	1,030 sqft
1st Floor Area	886 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Exterior Material	Aluminum Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,307 sqft (0.03 acres)
Lot Dimensions	52 ft deep x 25 ft wide
Porch	Open Porch
Porch Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	83150
Street Address	2521 KING OAK CIR
City	SAINT CLOUD
State	FL
Zip	34769-6642
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	SPUD
Legal Description	KING OAK VILLAS PHS 2 2ND ADDN REPLAT PB 7 PG 69 LOT 79
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	KING OAK VIL PH1
Legal Tract	39
Legal Block	1
Legal Lot Number	79
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3016
Census Tract	43208

Owner

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 Record
Mailing Address	2521 KING OAK CIR, SAINT CLOUD, FL 34769-6642
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2023	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Feb 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK
Apr 27, 2018	Warranty Deed, Transfer · FHA Mortgage PARKSIDE LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2018 · Amount on Record
Deed Sale	Apr 24, 2018 · Amount on Record
Deed Document Number	0053241486
Deed Book / Page	5324 / 1486
Last Transfer Date	Apr 27, 2018
Transfer Doc	0053241486
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2521 KING OAK CIR, SAINT CLOUD, FL 34769-6642
Transaction Type	Mortgage
Record Updated	Aug 15, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2521 KING OAK CIR, SAINT CLOUD, FL 34769-6642

Mortgage

Document Number	0064482259
Date	Jul 31, 2023
Book Page	6448/2259
Instrument	2023098360

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 25, 2053

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2521 KING OAK CIR, SAINT CLOUD, FL 34769-6642
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056820085
Date	Feb 27, 2020
Book Page	5682/85
Instrument	2020028861

Lender

Name	TRUSTCO BANK
Type	Bank
Address	LONGWOOD, FL 32750

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 21, 2050

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 27, 2018
Property Address	2521 KING OAK CIR, SAINT CLOUD, FL 34769-6642
Document Number	0053241486
Book / Page	005324 / 001486
Instrument Date	Apr 24, 2018
Instrument	67488
Transaction Type	Transfer
Record Updated	May 28, 2018
Title Company	LA ROSA TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$861.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2521 KING OAK CIR ST CLOUD FL 347696642, ST CLOUD, FL 34769-6642

Mortgage

Document Number	53241488
Date	Apr 27, 2018
Book Page	005324/001488
Instrument	67489

Lender

Name	PARKSIDE LNDG
Address	SAN FRANCISCO, CA 94102

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 26, 2048

Tax Assessment & Valuation

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	$1,226.00 (+8.21%) Homeowner's exemption	$111,386 (+5.99%)	$201,300 (+12.96%) Land $30,000 Building $171,300
2023	$1,133.00 (+5%) Homeowner's exemption	$105,095 (+3%)	$178,200 (+32.59%) Land $14,900 Building $163,300
2022	$1,079.00 Homeowner's exemption	$102,034	$134,400 Land $14,900 Building $119,500

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.

Nearby Properties on King Oak Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures