2905 Duchess Oak Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2905 Duchess Oak Ct, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 886 sqft · built 1989
Lot Size	0.03 acres (1,306 sqft)
Owner	2 Individual Names on Record
Last Sale	$133,000 (Mar 2019)
Tax Bill	$3,206 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Mar 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-26-30-0037-0001-1850`

Property Details

APN / Parcel Number

Primary APN	`09-26-30-0037-0001-1850`
Alternative APNs	`263009003700011850` `83083`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	886 sqft Living Area
Gross Area	950 sqft
1st Floor Area	886 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,306 sqft (0.03 acres)
Lot Dimensions	52 ft deep x 25 ft wide
Porch	Unfinished Vinyl Porch
Porch Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2905 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 185
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	1850
Legal Lot Number	185
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	1852 ASHTON PARK PL, SAINT CLOUD, FL 34771-1701
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP
Mar 13, 2019	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP
May 15, 2017	Warranty Deed, Transfer PRINCIPAL TITLE SERVICES LLC, PRINCIPAL TITLE SVCS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2019 · Amount on Record
Deed Sale	Mar 13, 2019 · Amount on Record
Prior Sale	May 15, 2017 · Amount on Record
Deed Document Number	201932171
Deed Book / Page	5490 / 2899
Prior Transfer Date	Dec 27, 2007
Prior Transfer Doc	0036312251
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2905 DUCHESS OAK CT, SAINT CLOUD, FL 34769-6603
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1852 ASHTON PARK PL, SAINT CLOUD, FL 34771-1701

Mortgage

Document Number	0058752139
Date	Jan 22, 2021
Book Page	5875/2139
Instrument	2021010122

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 13, 2019
Property Address	2905 DUCHESS OAK CT, SAINT CLOUD, FL 34769-6603
Document Number	0054902899
Book / Page	5490 / 2899
Map Reference	MB 5 PG 132
Instrument Date	Mar 12, 2019
Instrument	2019032171
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$931.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3920 SAVANNAHS TRL, 3920, MERRITT ISLAND, FL 32953-8601

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1852 ASHTON PARK PL, SAINT CLOUD, FL 34771-1701

Mortgage

Document Number	2019032172
Date	Mar 13, 2019
Instrument	2019032172

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 15, 2017
Property Address	2905 DUCHESS OAK CT, SAINT CLOUD, FL 34769-6603
Document Number	0051481392
Book / Page	005148 / 001392
Instrument Date	May 10, 2017
Instrument	71371
Transaction Type	Transfer
Record Updated	Jul 3, 2017
Title Company	PRINCIPAL TITLE SERVICES LLC, PRINCIPAL TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$665.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3920 SAVANNAHS TRL MERRITT ISLAND FL 329538601, MERRITT ISLAND, FL 32953-8601

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	$3,206.00 (+9.68%)	$196,300 (+13.01%) Land $30,000 Building $166,300	$196,300 (+13.01%) Land $30,000 Building $166,300
2024	$2,923.00 (+6.95%)
2023	$2,733.00 (+16.84%)	$173,700 (+32.39%) Land $14,900 Building $158,800	$173,700 (+32.39%) Land $14,900 Building $158,800
2022	$2,339.00	$131,200 Land $14,900 Building $116,300	$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.

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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