2904 Duchess Oak Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2904 Duchess Oak Ct, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 962 sqft · built 1989
Lot Size	0.037 acres (1,611 sqft)
Owner	2 Individual Names on Record
Last Sale	$119,100 (Apr 2018)
Tax Bill	$3,098 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Aug 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-26-30-0037-0001-2060`

Property Details

APN / Parcel Number

Primary APN	`09-26-30-0037-0001-2060`
Alternative APNs	`263009003700012060` `83104`

Interior

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

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
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

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2904 DUCHESS OAK CT
City	SAINT CLOUD
State	FL
Zip	34769-6600
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 206
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	2060
Legal Lot Number	206
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	2 Individual Names on Record
Mailing Address	1165 W 41ST PL, HIALEAH, FL 33012-4177
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage NEWREZ LLC
Aug 17, 2021	Intrafamily Transfer, Transfer AVENUE 365 LENDER SERVICES, AVENUE 365 LENDER SVCS LLC
Apr 12, 2018	Warranty Deed, Transfer · Conventional Mortgage HOME FIRST LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2018 · Amount on Record
Deed Sale	Apr 12, 2018 · Amount on Record
Prior Sale	Aug 2, 2016 · Amount on Record
Deed Document Number	201857541
Deed Book / Page	5315 / 2179
Last Transfer Date	Jul 23, 2021
Transfer Doc	0060241256
Record Updated	Jun 8, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Aug 13, 2021
Property Address	2904 DUCHESS OAK CT, SAINT CLOUD, FL 34769-6600
Document Number	0060221202
Book / Page	6022 / 1202
Map Reference	MB 5 PG 132
Instrument Date	Jul 23, 2021
Instrument	2021125806
Transaction Type	Transfer
Record Updated	Aug 27, 2021
Title Company	AVENUE 365 LENDER SVCS LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1165 W 41ST PL # 41, 41, HIALEAH, FL 33012-4177
Investor	Possibly a Property Investor

Mortgage

Document Number	60221204
Date	Aug 13, 2021
Instrument	6022/1204

Lender

Name	NEWREZ LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	237 Months
Due	May 1, 2041

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Aug 17, 2021
Property Address	2904 DUCHESS OAK CT, SAINT CLOUD, FL 34769-6600
Document Number	0060241256
Book / Page	6024 / 1256
Map Reference	MB 5 PG 132
Instrument Date	Jul 23, 2021
Instrument	2021127528
Transaction Type	Transfer
Record Updated	Aug 30, 2021
Title Company	AVENUE 365 LENDER SERVICES, AVENUE 365 LENDER SVCS LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1165 W 41ST PL, HIALEAH, FL 33012-4177
Investor	Possibly a Property Investor

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 12, 2018
Property Address	2904 DUCHESS OAK CT, SAINT CLOUD, FL 34769-6600
Document Number	0053152179
Book / Page	005315 / 002179
Instrument Date	Apr 11, 2018
Instrument	57541
Transaction Type	Transfer
Record Updated	May 24, 2018
Title Company	QUALITY TITLE AND ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$833.70
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1165 W 41ST PL HIALEAH FL 330124177, HIALEAH, FL 33012-4177

Mortgage

Document Number	53152181
Date	Apr 12, 2018
Book Page	005315/002181
Instrument	57542

Lender

Name	HOME FIRST LENDING
Address	ORLANDO, FL 32801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 11, 2048

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	$3,098.00 (+9.62%)	$194,300 (+13.16%) Land $30,000 Building $164,300	$194,300 (+13.16%) Land $30,000 Building $164,300
2024	$2,826.00 (+6.96%)
2023	$2,642.00 (+16.95%)	$171,700 (+32.28%) Land $14,900 Building $156,800	$171,700 (+32.28%) Land $14,900 Building $156,800
2022	$2,259.00	$129,800 Land $14,900 Building $114,900	$129,800 Land $14,900 Building $114,900

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 57% of the US · lower than 69% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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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