Osceola County property record for 2906 Duchess Oak Ct, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Townhouse |
|---|---|
| Details | 2 bd · 2 ba · 962 sqft · built 1989 |
| Lot Size | 0.037 acres (1,612 sqft) |
| Owner | Individual Name on File |
| Last Sale | $138,000 (May 2019) |
| Tax Bill | $1,271 (2025) |
| Deeds & Mortgages | May 2019 Sale & Mortgage Apr 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 83103 |
| Primary APN | 83103 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 962 sqft Heated Area |
| Gross Area | 1,220 sqft |
| 1st Floor Area | 962 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 | 1,612 sqft (0.037 acres) |
| Lot Dimensions | 52 ft deep x 30 ft wide |
| Porch | Open Porch |
| Porch Area | 228 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 83103 |
|---|---|
| Street Address | 2906 DUCHESS OAK CT |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-6600 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | KING OAK VILLAS PHASE 3 4TH ADDITION PB 5 PG 132 LOT 205 |
| 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 | 205 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 43208 |
Source: Osceola County records · APN 83103
Assessment roll updated July 1, 2025 · Last verified December 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 File |
|---|---|
| Mailing Address | 2906 DUCHESS OAK CT, SAINT CLOUD, FL 34769-6600 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 31, 2019 | Warranty Deed, Transfer · VA Mortgage AMERICAN NATIONWIDE MORTGAGE COMPAN |
| Apr 26, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 31, 2019 · Amount on Record |
| Deed Sale | May 31, 2019 · Amount on Record |
| Prior Sale | Apr 26, 2018 · Amount on Record |
| Deed Document Number | 2019070029 |
| Deed Book / Page | 5533 / 0104 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 31, 2019 |
| Property Address | 2906 DUCHESS OAK CT, SAINT CLOUD, FL 34769-6600 |
| Document Number | 0055330104 |
| Book / Page | 5533 / 0104 |
| Map Reference | MB 5 PG 132 |
| Instrument Date | May 30, 2019 |
| Instrument | 2019070029 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | STEWART TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $966.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2906 DUCHESS OAK CT, 2906, SAINT CLOUD, FL 34769-6600 |
| Name | Verified Name |
|---|---|
| Address | 2906 DUCHESS OAK CT, SAINT CLOUD, FL 34769-6600 |
| Document Number | 0005533105 |
|---|---|
| Date | May 31, 2019 |
| Instrument | 5533/105 |
| Name | AMERICAN NATIONWIDE MORTGAGE COMPAN |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 26, 2018 |
| Property Address | 2906 DUCHESS OAK CT, SAINT CLOUD, FL 34769-6600 |
| Document Number | 0053232546 |
| Book / Page | 005323 / 002546 |
| Instrument Date | Apr 25, 2018 |
| Instrument | 66704 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $132.30 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2906 DUCHESS CT ST CLOUD FL 34769, ST CLOUD, FL 34769 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,271.00 (+9.57%) Homeowner's exemption Senior Citizen's exemption Widower's exemption | $130,547 (+5.99%) | $209,300 (+12.47%) Land $30,000 Building $179,300 |
| 2023 | $1,160.00 (-1.53%) Homeowner's exemption Senior Citizen's exemption Widower's exemption | $123,173 (+3%) | $186,100 (+32.74%) Land $14,900 Building $171,200 |
| 2022 | $1,178.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption | $119,586 | $140,200 Land $14,900 Building $125,300 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432083, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 25 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 25 in force |
| Wildfire Risk | Moderate above 58% of the US · above 30% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 585 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 202 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| Lumen Technologies | DSL | 140 / 20 |
| AT&T | Fixed Wireless | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: AT&T, Spectrum, Xfinity, Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.
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