2681 King Oak Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2681 King Oak Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Townhouse
Details	2 bd · 2 ba · 962 sqft · built 1993
Lot Size	0.041 acres (1,786 sqft)
Owner	Individual Name on File
Last Sale	$152,000 (Jun 2020)
Tax Bill	$1,515 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`83162`

Property Details

APN / Parcel Number

Primary APN	`83162`
Alternative APN	`092630004000010920`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	962 sqft Heated Area
Gross Area	1,220 sqft
1st Floor Area	962 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Exterior Material	Aluminum Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,786 sqft (0.041 acres)
Lot Dimensions	52 ft deep x 34 ft wide
Porch	Open Porch
Porch Area	228 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	83162
Street Address	2681 KING OAK CIR
City	SAINT CLOUD
State	FL
Zip	34769-6614
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	SPUD
Legal Description	KING OAK VILLAS PH 2 3RD ADDN PB 7 PG 108 LOT 92
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	KING OAK VIL PH1
Legal Phase	2
Legal Tract	40
Legal Block	1
Legal Lot Number	92
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3016
Census Tract	43208

Owner

2681 King Oak Cir, a townhouse, is owned and occupied by an individual who bought it in June 2020.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Mailing Address	2681 KING OAK CIR, SAINT CLOUD, FL 34769-6614
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2020	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE FIRM
Dec 11, 2017	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2020 · Amount on File
Deed Sale	Jun 9, 2020 · Amount on File
Prior Sale	Dec 11, 2017 · Amount on File
Deed Document Number	2020073730
Deed Book / Page	5734 / 1562
Record Updated	Jun 8, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 9, 2020
Property Address	2681 KING OAK CIR, SAINT CLOUD, FL 34769-6614
Document Number	0057341562
Book / Page	005734 / 001562
Instrument Date	Jun 5, 2020
Instrument	73730
Transaction Type	Transfer
Record Updated	Jul 30, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,064.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2681 KING OAK CIR ST CLOUD FL 347696614, ST CLOUD, FL 34769-6614

Mortgage

Document Number	57341563
Date	Jun 9, 2020
Book Page	005734/001563
Instrument	73731

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 8, 2050

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 11, 2017
Property Address	2681 KING OAK CIR, SAINT CLOUD, FL 34769-6614
Document Number	0052511118
Book / Page	5251 / 1118
Map Reference	MB7 PG108
Instrument Date	Dec 7, 2017
Instrument	2017175447
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount on Record
Tax	$735.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4806 44TH AVE, 4806, MOLINE, IL 61265-6746

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1401 BASSETT DR, JOLIET, IL 60431-8942

Mortgage

Document Number	2017175448
Date	Dec 11, 2017
Instrument	2017175448

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 2681 King Oak Cir was $1,515 with exemptions applied.

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	$1,515.00 Homeowner's exemption Senior Citizen's exemption	$139,202	$207,300 Land $30,000 Building $177,300
2023	$1,398.00 (+5.11%) Homeowner's exemption Senior Citizen's exemption	$131,339 (+3%)	$184,000 (+32.66%) Land $14,900 Building $169,100
2022	$1,330.00 Homeowner's exemption Senior Citizen's exemption	$127,514	$138,700 Land $14,900 Building $123,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2681 King Oak Cir in Zone X, an area of minimal flood risk.

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 File 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

Wildfire risk around 2681 King Oak Cir is moderate, ranking above 43% of the US, with a 0.05% annual chance of 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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