Osceola County property record for 2901 Duchess Oak Ct, Saint Cloud, FL 34769
| Property Type | Townhouse |
|---|---|
| Details | 2 bd · 2 ba · 886 sqft · built 1989 |
| Lot Size | 0.033 acres (1,481 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $75,000 (Jan 2014) |
| Tax Bill | $1,400 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 83081 |
| Primary APN | 83081 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 886 sqft Heated Area |
| Gross Area | 1,030 sqft |
| 1st Floor Area | 886 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1989 |
|---|---|
| Exterior Material | Aluminum Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 1,481 sqft (0.033 acres) |
| Lot Dimensions | 52 ft deep x 28 ft wide |
| Porch | Open Porch |
| Porch Area | 80 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 83081 |
|---|---|
| Street Address | 2901 DUCHESS OAK CT |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-6603 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | SPUD |
| Legal Description | KING OAK VILLAS PHASE 3 4TH ADDITION PB 5 PG 132 LOT 183 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 09 |
| Legal Subdivision | KING OAK VIL PH1 |
| Legal Phase | 3 |
| Legal Tract | 37 |
| Legal Block | 1 |
| Legal Lot Number | 183 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 43208 |
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 | 2901 DUCHESS OAK CT, SAINT CLOUD, FL 34769-6603 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 9, 2014 · Amount on Record |
| Deed Sale | Jan 9, 2014 · Amount on Record |
| Prior Sale | Jan 24, 2005 |
| Deed Document Number | 2014003969 |
| Deed Book / Page | 4554 / 1862 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2901 DUCHESS OAK CT, SAINT CLOUD, FL 34769-6603 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2025 |
| Title Company | BOSTON NATIONAL TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 2901 DUCHESS OAK CT, SAINT CLOUD, FL 34769-6603 |
| Document Number | 0068821196 |
|---|---|
| Date | Nov 19, 2025 |
| Book Page | 6882/1196 |
| Instrument | 2025142511 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
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 | $1,400.00 (+3.86%) Homeowner's exemption Senior Citizen's exemption | $78,349 (+5.99%) | $196,300 (+13.01%) Land $30,000 Building $166,300 |
| 2023 | $1,348.00 (+1.89%) Homeowner's exemption Senior Citizen's exemption | $73,924 (+3%) | $173,700 (+32.39%) Land $14,900 Building $158,800 |
| 2022 | $1,323.00 Homeowner's exemption Senior Citizen's exemption | $71,771 | $131,200 Land $14,900 Building $116,300 |
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures