2903 Duchess Oak Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2903 Duchess Oak Ct, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 709 sqft · built 1989
Lot Size	0.028 acres (1,219 sqft)
Owner	Individual Name on Record
Last Sale	$100 (Jan 2017)
Tax Bill	$306 (2025)
Deeds & Mortgages	Dec 2018 Sale Feb 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`09-26-30-0037-0001-1840`

Property Details

APN / Parcel Number

Primary APN	`09-26-30-0037-0001-1840`
Alternative APNs	`263009003700011840` `83082`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	709 sqft Living Area
Gross Area	765 sqft
1st Floor Area	709 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	L-Shape
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,219 sqft (0.028 acres)
Lot Dimensions	52 ft deep x 23 ft wide
Porch	Metal Porch
Porch Area	104 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2903 DUCHESS OAK CT
City	SAINT CLOUD
State	FL
Zip	34769-6603
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	KING OAK VILLAS PHASE 3 4TH ADDITION PB 5 PG 132 LOT 184
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	KING OAK VILLAS PH 3 4TH ADD
Legal Phase	3
Legal Tract	37
Legal Block	1840
Legal Lot Number	184
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3004
Census Tract	43208

Owner

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	2903 DUCHESS OAK CT, SAINT CLOUD, FL 34769-6603
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 7, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 1, 2017 · Amount on Record
Deed Sale	Jan 1, 2017 · Amount on Record
Deed Book / Page	5098 / 1841
Last Transfer Date	Dec 12, 2018
Transfer Doc	0054480334
Record Updated	Jun 8, 2026

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 12, 2018
Property Address	2903 DUCHESS OAK CT, SAINT CLOUD, FL 34769-6603
Document Number	0054480334
Book / Page	005448 / 000334
Instrument Date	Dec 12, 2018
Instrument	181685
Transaction Type	Transfer
Record Updated	Jan 2, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2903 DUCHESS OAK CT ST CLOUD FL 347696603, ST CLOUD, FL 34769-6603

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 7, 2017
Property Address	2903 DUCHESS OAK CT, SAINT CLOUD, FL 34769-6603
Document Number	0050981841
Book / Page	005098 / 001841
Instrument Date	Jan 28, 2017
Instrument	20670
Transaction Type	Transfer
Record Updated	Feb 27, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2903 DUCHESS OAK CT ST CLOUD FL 347696603, ST CLOUD, FL 34769-6603

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$306.00 (+3.73%) Homeowner's exemption Senior Citizen's exemption Widower's exemption	$72,433 (+5.99%)	$173,700 (+14.28%) Land $30,000 Building $143,700
2024	$295.00 (+1.72%)
2023	$290.00 (-12.12%) Homeowner's exemption Senior Citizen's exemption Widower's exemption	$68,342 (+3%)	$152,000 (+32.06%) Land $14,900 Building $137,100
2022	$330.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption	$66,352	$115,100 Land $14,900 Building $100,200

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

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 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

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.

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 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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