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2902 Duchess Oak Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2902 Duchess Oak Ct, Saint Cloud, FL 34769 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 962 sqft · built 1989
Lot Size0.037 acres (1,611 sqft)
OwnerIndividual Name on File
Last Sale$99,000 (Aug 2017)
Tax Bill$594 (2025)
Deeds & MortgagesOct 2018 Sale
Aug 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN09-26-30-0037-0001-2070

Property Details

APN / Parcel Number

Primary APN09-26-30-0037-0001-2070
Alternative APNs
  • 263009003700012070
  • 83105

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area962 sqft Living Area
Gross Area1,220 sqft
1st Floor Area962 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 1989
Architectural StyleCustom Design
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area1,611 sqft (0.037 acres)
Lot Dimensions52 ft deep x 30.3 ft wide
PorchEnclosed/Finished Porch
Porch Area228 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address2902 DUCHESS OAK CT
CitySAINT CLOUD
StateFL
Zip34769-6600
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionKING OAK VILLAS PHASE 3 4TH ADD PB 5 PG 132 LOT 207
Legal Range30E
Legal Township26S
Legal Section09
Legal SubdivisionKING OAK VILLAS PH 3 4TH ADD
Legal Phase3
Legal Tract37
Legal Block2070
Legal Lot Number207
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3004
Census Tract43208

Owner

Source: Osceola County records · APN 09-26-30-0037-0001-2070

Assessment roll updated November 26, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address2902 DUCHESS OAK CT, SAINT CLOUD, FL 34769-6600
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Oct 11, 2018Warranty Deed, Transfer
ATTORNEY ONLY
Aug 02, 2017Warranty Deed, Transfer · FHA Mortgage
QUICKEN LNS

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 02, 2017 · Amount on Record
Deed SaleAug 02, 2017 · Amount on Record
Deed Document Number2017111554
Deed Book / Page5188 / 827
Last Transfer DateOct 04, 2018
Transfer Doc0054161590
Record UpdatedJun 08, 2026

October 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 11, 2018
Property Address2902 DUCHESS OAK CT, SAINT CLOUD, FL 34769-6600
Document Number0054161590
Book / Page005416 / 001590
Instrument DateOct 04, 2018
Instrument153272
Transaction TypeTransfer
Record UpdatedOct 25, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address2902 DUCHESS OAK CT ST CLOUD FL 347696600, ST CLOUD, FL 34769-6600

August 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 02, 2017
Property Address2902 DUCHESS OAK CT, SAINT CLOUD, FL 34769-6600
Document Number0051880827
Book / Page005188 / 000827
Instrument DateAug 01, 2017
Instrument111554
Transaction TypeTransfer
Record UpdatedAug 25, 2017
Title CompanySTEWART TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$693.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2902 DUCHESS OAK CT ST CLOUD FL 347696600, ST CLOUD, FL 34769-6600

Mortgage

Document Number51880828
DateAug 02, 2017
Book Page005188/000828
Instrument111555
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 01, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$594.00 (+7.03%) Homeowner's exemption Senior Citizen's exemption Widower's exemption$92,704 (+5.99%)$191,900 (+13.22%) Land $30,000 Building $161,900
2024$555.00 (+7.35%)
2023$517.00 (-6.51%) Homeowner's exemption Senior Citizen's exemption Widower's exemption$87,468 (+3%)$169,500 (+32.32%) Land $14,900 Building $154,600
2022$553.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption$84,921$128,100 Land $14,900 Building $113,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskModerate
above 58% of the US · above 30% of Florida
Wildfire LikelihoodAbout 1 in 585 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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