Osceola County property record for 2689 Shelby Ruth Pl, Saint Cloud, FL 34769
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 2 ba · 1,364 sqft · built 2014 |
| Lot Size | 0.048 acres (2,134 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,751 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 145685 |
| Primary APN | 145685 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,364 sqft Heated Area |
| Gross Area | 1,780 sqft |
| 1st Floor Area | 1,364 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Exterior Material | Stone |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 2,134 sqft (0.048 acres) |
| Lot Dimensions | 63 ft deep x 34 ft wide |
| Garage Type | Finished |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 104 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 145685 |
|---|---|
| Street Address | 2689 SHELBY RUTH PL |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-4918 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | SR3 |
| Legal Description | TRADITION PB 19 PG 39 LOT 33 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 10 |
| Legal Subdivision | TRADITION |
| Legal Tract | 841 |
| Legal Block | 1 |
| Legal Lot Number | 33 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 43208 |
2689 Shelby Ruth Pl, a townhouse, is owned and occupied by an individual who acquired it in December 2014.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2689 SHELBY RUTH PL, SAINT CLOUD, FL 34769-4918 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 26, 2014 |
| Deed Sale | Dec 26, 2014 |
| Deed Document Number | 2014091111 |
| Deed Book / Page | 4628 / 2749 |
| Prior Transfer Date | Jun 26, 2014 |
| Prior Transfer Doc | 2014091111 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 2689 Shelby Ruth Pl was $1,751 with exemptions applied.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,751.00 Homeowner's exemption Widower's exemption | $145,719 | $279,900 Land $38,000 Building $241,900 |
| 2023 | $1,627.00 (-0.61%) Homeowner's exemption Widower's exemption | $137,489 (+3%) | $256,300 (+30.04%) Land $14,900 Building $241,400 |
| 2022 | $1,637.00 Homeowner's exemption Widower's exemption | $133,485 | $197,100 Land $14,900 Building $182,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2689 Shelby Ruth Pl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 risk around 2689 Shelby Ruth Pl is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 400 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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