2570 King Oak Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2570 King Oak Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 962 sqft · built 1992
Lot Size	0.037 acres (1,611 sqft)
Owner	2 Individual Names on Record
Last Sale	$135,000 (Feb 2019)
Tax Bill	$1,514 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-26-30-0038-0001-1440`

Property Details

APN / Parcel Number

Primary APN	`09-26-30-0038-0001-1440`
Alternative APNs	`263009003800011440` `83139`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	962 sqft Living Area
Gross Area	1,028 sqft
1st Floor Area	962 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,611 sqft (0.037 acres)
Lot Dimensions	52 ft deep x 30.3 ft wide
Porch	Florida Room
Porch Area	228 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2570 KING OAK CIR
City	SAINT CLOUD
State	FL
Zip	34769-6643
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 144
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	KING OAK VILLAS PH 2 2ND ADD
Legal Tract	38
Legal Block	1440
Legal Lot Number	144
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	2 Individual Names on Record
Mailing Address	2570 KING OAK CIR, SAINT CLOUD, FL 34769-6643
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Sep 24, 2020	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Feb 13, 2019	Warranty Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 13, 2019 · Amount on Record
Deed Sale	Feb 13, 2019 · Amount on Record
Prior Sale	Mar 13, 2012 · Amount on Record
Deed Document Number	201919020
Deed Book / Page	5476 / 2603
Prior Transfer Date	Apr 4, 1996
Prior Transfer Doc	1323002294
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2570 KING OAK CIR, SAINT CLOUD, FL 34769-6643
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2570 KING OAK CIR, SAINT CLOUD, FL 34769-6643

Mortgage

Document Number	0062550533
Date	Jul 21, 2022
Book Page	6255/533
Instrument	2022112024

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2570 KING OAK CIR, SAINT CLOUD, FL 34769-6643
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2570 KING OAK CIR, SAINT CLOUD, FL 34769-6643

Mortgage

Document Number	0057991460
Date	Sep 24, 2020
Book Page	5799/1460
Instrument	2020128041

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	342 Months
Due	Mar 1, 2049

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 13, 2019
Property Address	2570 KING OAK CIR, SAINT CLOUD, FL 34769-6643
Document Number	0054762603
Book / Page	5476 / 2603
Map Reference	MB 6 PG 197
Instrument Date	Feb 11, 2019
Instrument	2019019020
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$945.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	151623 THIRD AVE #33C33C, 151623, NEW YORK, NY 10128

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2570 KING OAK CIR, SAINT CLOUD, FL 34769-6643

Mortgage

Document Number	2019019021
Date	Feb 13, 2019
Instrument	2019019021

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 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	$1,514.00 (+3.98%) Homeowner's exemption	$127,467 (+5.99%)	$204,700 (+12.78%) Land $30,000 Building $174,700
2024	$1,456.00 (+3.48%)
2023	$1,407.00 (+4.61%) Homeowner's exemption	$120,267 (+3%)	$181,500 (+32.58%) Land $14,900 Building $166,600
2022	$1,345.00 Homeowner's exemption	$116,765	$136,900 Land $14,900 Building $122,000

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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