2580 King Oak Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2580 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	Individual Name on Record
Last Sale	$195,000 (May 2026)
Tax Bill	$2,679 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-26-30-0038-0001-1430`

Property Details

APN / Parcel Number

Primary APN	`09-26-30-0038-0001-1430`
Alternative APNs	`263009003800011430` `83138`

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	Finished/Open Porch
Porch Area	36 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2580 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 143
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	KING OAK VILLAS PH 2 2ND ADD
Legal Tract	38
Legal Block	1430
Legal Lot Number	143
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 June 9, 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	2580 KING OAK CIR, SAINT CLOUD, FL 34769-6643
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
May 21, 2026	Warranty Deed, Transfer · Conventional Mortgage OSCEOLA COUNTY HUMAN SERVICES
May 21, 2026	Warranty Deed, Transfer · Conventional Mortgage OSCEOLA COUNTY HUMAN SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2026 · Amount on Record
Deed Sale	May 21, 2026 · Amount on Record
Prior Sale	Mar 31, 1997 · Amount on Record
Deed Document Number	202667157
Deed Book / Page	6975 / 280
Prior Transfer Date	Jan 19, 1998
Prior Transfer Doc	1464002215
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 21, 2026
Property Address	2580 KING OAK CIR, SAINT CLOUD, FL 34769-6643
Document Number	0000067157
Book / Page	6975 / 280
Instrument Date	May 20, 2026
Instrument	202667157
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	RED DOOR TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$137,865.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2580 KING OAK CIR, SAINT CLOUD, FL 34769-6643

Mortgage

Document Number	0000067159,
Date	May 21, 2026
Instrument	202667159

Lender

Name	OSCEOLA COUNTY HUMAN SERVICES

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.37%
Max Rate	-1%

Mortgage

Document Number	0000067158,
Date	May 21, 2026
Book Page	6975/282
Instrument	202667158

Lender

Name	MORTGAGE FIRM

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	30 Months
Due	Jun 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 21, 2026
Property Address	2580 KING OAK CIR, SAINT CLOUD, FL 34769-6643
Document Number	0069750280
Book / Page	6975 / 280
Instrument Date	May 20, 2026
Instrument	202667157
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	RED DOOR TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$137,865.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2580 KING OAK CIR, SAINT CLOUD, FL 34769-6643

Mortgage

Document Number	0000067159,
Date	May 21, 2026
Instrument	202667159

Lender

Name	OSCEOLA COUNTY HUMAN SERVICES

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Max Rate	-1%

Mortgage

Document Number	0000067158,
Date	May 21, 2026
Book Page	6975/282
Instrument	202667158

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Max Rate	-1%

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	$2,679.00 (+16.58%)	$195,200 (+13.23%) Land $30,000 Building $165,200	$195,200 (+13.23%) Land $30,000 Building $165,200
2023	$2,298.00 (+18.15%)	$172,400 (+32.41%) Land $14,900 Building $157,500	$172,400 (+32.41%) Land $14,900 Building $157,500
2022	$1,945.00	$130,200 Land $14,900 Building $115,300	$130,200 Land $14,900 Building $115,300

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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