Osceola County property record for 2821 King Oak Cir, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 962 sqft · built 1988 |
| Lot Size | 0.037 acres (1,611 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $77,000 (May 2014) |
| Tax Bill | $608 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-26-30-0034-0001-0490 |
| Primary APN | 09-26-30-0034-0001-0490 |
|---|---|
| Alternative APNs |
|
| 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 |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| 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 | Metal Porch |
| Porch Area | 228 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2821 KING OAK CIR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-6660 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SPUD |
| Legal Description | KING OAK VILLAS PHASE 1 FIRST ADD PB 5 PG 57 LOT 49 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 09 |
| Legal Subdivision | KING OAK VILLAS PH 1 1ST ADD |
| Legal Phase | 1 |
| Legal Tract | 34 |
| Legal Block | 490 |
| Legal Lot Number | 49 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 43208 |
Source: Osceola County records, as of November 26, 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 | 2821 KING OAK CIR, SAINT CLOUD, FL 34769-6660 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 21, 2014 · Amount on Record |
| Deed Sale | May 21, 2014 · Amount on Record |
| Prior Sale | Oct 16, 2006 · Amount on Record |
| Deed Document Number | 201471496 |
| Deed Book / Page | 4611 / 2934 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2821 KING OAK CIR, SAINT CLOUD, FL 34769-6660 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2821 KING OAK CIR, SAINT CLOUD, FL 34769-6660 |
| Document Number | 0060452208 |
|---|---|
| Date | Sep 17, 2021 |
| Book Page | 6045/2208 |
| Instrument | 2021144532 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Aug 1, 2036 |
Source: Osceola County assessment roll, as of November 26, 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 | $608.00 (+4.47%) Homeowner's exemption | $76,849 (+5.99%) | $191,700 (+13.16%) Land $30,000 Building $161,700 |
| 2024 | $582.00 (+0.69%) | ||
| 2023 | $578.00 (+1.94%) Homeowner's exemption | $72,509 (+3%) | $169,400 (+32.24%) Land $14,900 Building $154,500 |
| 2022 | $567.00 Homeowner's exemption | $70,398 | $128,100 Land $14,900 Building $113,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 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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