2706 Kayak Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2706 Kayak Ct, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,389 sqft · built 1998
Lot Size	0.198 acres (8,625 sqft)
Owner	Individual Name on Record
Last Sale	$355,000 (Sep 2024)
Tax Bill	$5,157 (2025)
Deeds & Mortgages	Oct 2023 Mortgage May 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`85179`

Property Details

APN / Parcel Number

Primary APN	`85179`
Alternative APN	`152630058200011390`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,389 sqft Heated Area
Gross Area	2,127 sqft
1st Floor Area	1,389 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,625 sqft (0.198 acres)
Lot Dimensions	115 ft deep x 75 ft wide
Garage Type	Finished
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	297 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	85179
Street Address	2706 KAYAK CT
City	SAINT CLOUD
State	FL
Zip	34772-7382
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	CANOE CREEK LAKES UNIT 7 PB 9 PG 152 LOT 139
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	CANOE CREEK LAKES
Legal Tract	582
Legal Block	1
Legal Lot Number	139
Legal Unit	7P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2001
Census Tract	43208

Owner

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

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	2706 KAYAK CT, SAINT CLOUD, FL 34772-7382
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
May 11, 2022	Deed of Trust, Mortgage · FHA Mortgage COMMUNITY LOAN SERVICING LLC
Nov 11, 2019	Loan Modification, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING
May 2, 2017	Warranty Deed, Transfer · FHA Mortgage LAKEVIEW MORTGAGE BANKERS CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2024 · Amount on Record
Deed Sale	Sep 12, 2024 · Amount on Record
Prior Sale	May 2, 2017 · Amount on Record
Deed Document Number	2024117416
Deed Book / Page	6663 / 2705
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2706 KAYAK CT, SAINT CLOUD, FL 34772-7382
Transaction Type	Mortgage
Record Updated	Oct 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2706 KAYAK CT, SAINT CLOUD, FL 34772-7382

Mortgage

Document Number	0064821813
Date	Oct 2, 2023
Book Page	6482/1813
Instrument	2023128720

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	479 Months
Due	Sep 1, 2063

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2706 KAYAK CT, SAINT CLOUD, FL 34772-7382
Transaction Type	Mortgage
Record Updated	May 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2706 KAYAK CT, SAINT CLOUD, FL 34772-7382

Mortgage

Document Number	0062121159
Date	May 11, 2022
Book Page	6212/1159
Instrument	2022075033

Lender

Name	COMMUNITY LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Apr 1, 2052

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	2706 KAYAK CT, SAINT CLOUD, FL 34772-7382
Document Number	0056481713
Instrument Date	Nov 11, 2019
Transaction Type	Mortgage
Record Updated	Jan 20, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2706 KAYAK CT ST CLOUD FL 347727382, ST CLOUD, FL 34772-7382

Mortgage

Document Number	0056481713
Date	Dec 30, 2019
Book Page	005648/001713
Instrument	168163

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	TROY, MI 48098

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 29, 2049

Interest

Rate Type	Fixed Rate
Rate	4%

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 2, 2017
Property Address	2706 KAYAK CT, SAINT CLOUD, FL 34772-7382
Document Number	0051401582
Book / Page	5140 / 1582
Map Reference	MB9 PG152&153
Instrument Date	Apr 28, 2017
Instrument	2017063962
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,274.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1085 DEAN ST, 1085, SAINT CLOUD, FL 34771-4813

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2706 KAYAK CT, SAINT CLOUD, FL 34772-7382

Mortgage

Document Number	0051401583
Date	May 2, 2017
Instrument	5140/1583

Lender

Name	LAKEVIEW MORTGAGE BANKERS CORP

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

Tax Assessment & Valuation

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	$5,157.00 (+129.2%)	$287,900 (+72.31%) Land $75,000 Building $212,900	$287,900 (-2.07%) Land $75,000 Building $212,900
2023	$2,250.00 (+3.97%) Homeowner's exemption	$167,087 (+3%)	$294,000 (+20.05%) Land $65,000 Building $229,000
2022	$2,164.00 Homeowner's exemption	$162,221	$244,900 Land $60,000 Building $184,900

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 41 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	41 in force
Nearby Flood Claims	2 (2015–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2020 · other causes

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	Low lower than 67% of the US · lower than 92% 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.

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 262 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
CenturyLink Fiber	100 / 100

May also be available: Verizon.

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