2640 King Oak Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2640 King Oak Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,126 sqft · built 1993
Lot Size	0.041 acres (1,785 sqft)
Owner	2 Individual Names on Record
Last Sale	$272,000 (Mar 2026)
Tax Bill	$3,995 (2025)
Deeds & Mortgages	Mar 2026 Second Mortgage Mar 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-26-30-0040-0001-0970`

Property Details

APN / Parcel Number

Primary APN	`09-26-30-0040-0001-0970`
Alternative APNs	`263009004000010970` `83167`

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 1993
Effective Year Built	Effective 1993
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
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	182 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2640 KING OAK CIR
City	SAINT CLOUD
State	FL
Zip	34769-6613
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	KING OAK VILLAS PH 2 3RD ADDN PB 7 PG 108 LOT 97
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	KING OAK VILLAS PH 2 3RD ADD
Legal Phase	2
Legal Tract	40
Legal Block	970
Legal Lot Number	97
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 1, 2026

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	2640 KING OAK CIR, SAINT CLOUD, FL 34769-6613
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PLAINS COMMERCE BANK
Mar 19, 2026	Deed of Trust, Mortgage · FHA Mortgage PLAINS COMMERCE BANK
Jun 21, 2023	Intrafamily Transfer, Transfer
Feb 21, 2022	Warranty Deed, Transfer LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2026 · Amount on Record
Deed Sale	Mar 19, 2026 · Amount on Record
Prior Sale	Feb 21, 2022 · Amount on Record
Deed Document Number	202636576
Deed Book / Page	6939 / 2972
Prior Transfer Date	Aug 20, 2025
Prior Transfer Doc	0068432345
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2640 KING OAK CIR, SAINT CLOUD, FL 34769-6613
Transaction Type	Mortgage
Record Updated	Mar 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2649 KING OAK CIR, SAINT CLOUD, FL 34769-6614

Mortgage

Document Number	0069392989
Date	Mar 19, 2026
Book Page	6939/2989
Instrument	2026036578

Lender

Name	PLAINS COMMERCE BANK
Type	Bank
Address	SIOUX FALLS, SD 57108

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2640 KING OAK CIR, SAINT CLOUD, FL 34769-6613
Transaction Type	Mortgage
Record Updated	Mar 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4055 TUCKERS OAK CT, SAINT CLOUD, FL 34772-7488

Mortgage

Document Number	0069392973
Date	Mar 19, 2026
Book Page	6939/2973
Instrument	2026036577

Lender

Name	PLAINS COMMERCE BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jun 21, 2023
Property Address	2640 KING OAK CIR, SAINT CLOUD, FL 34769-6613
Document Number	0064281725
Book / Page	6428 / 1725
Map Reference	MB 7 PG 108
Instrument Date	Jun 7, 2023
Instrument	2023080371
Transaction Type	Transfer
Record Updated	Jul 11, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2640 KING OAK CIRCKE, SAINT CLOUD, FL 34769

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2640 KING OAK CIR, SAINT CLOUD, FL 34769-6613

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 21, 2022
Property Address	2640 KING OAK CIR, SAINT CLOUD, FL 34769-6613
Document Number	0061542131
Book / Page	6154 / 2131
Map Reference	MB 7 PG 108
Instrument Date	Feb 17, 2022
Instrument	2022027966
Transaction Type	Transfer
Record Updated	Mar 7, 2022
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Tax	$1,435.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	95 WYMAN RD, 95, KEENE, NH 03431-5047

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2640 KING OAK CIR, SAINT CLOUD, FL 34769-6613

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	$3,995.00 (+95.26%)	$223,000 (+46.34%) Land $30,000 Building $193,000	$223,000 (+12.17%) Land $30,000 Building $193,000
2024	$2,046.00 (+3.07%)
2023	$1,985.00 (-8.74%) Homeowner's exemption	$152,382 (+2%)	$198,800 (+33.07%) Land $14,900 Building $183,900
2022	$2,175.00	$149,400 Land $14,900 Building $134,500	$149,400 Land $14,900 Building $134,500

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.

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