2907 Duchess Oak Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2907 Duchess Oak Ct, Saint Cloud, FL 34769

Property Summary

Property Type	Townhouse
Details	1 bd · 1 ba · 709 sqft · built 1989
Lot Size	0.028 acres (1,220 sqft)
Owner	Individual Name on Record
Last Sale	$185,000 (Jun 2023)
Tax Bill	$3,297 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`83084`

Property Details

APN / Parcel Number

Primary APN	`83084`
Alternative APN	`092630003700011860`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	709 sqft Heated Area
Gross Area	845 sqft
1st Floor Area	709 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Exterior Material	Combination
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,220 sqft (0.028 acres)
Lot Dimensions	52 ft deep x 23 ft wide
Porch	Open Porch
Porch Area	104 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	83084
Street Address	2907 DUCHESS OAK CT
City	SAINT CLOUD
State	FL
Zip	34769-6603
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	SPUD
Legal Description	KING OAK VILLAS PHASE 3 4TH ADDITION PB 5 PG 132 LOT 186
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	186
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 December 11, 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
Co-owner	Co-owner on Record
Mailing Address	1690 ANDREA CT, KISSIMMEE, FL 34744-6602
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2023 · Amount on Record
Deed Sale	Jun 9, 2023 · Amount on Record
Prior Sale	Apr 15, 2015
Deed Document Number	2023074810
Deed Book / Page	6422 / 1103
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 9, 2023
Property Address	2907 DUCHESS OAK CT, SAINT CLOUD, FL 34769-6603
Document Number	0064221103
Book / Page	6422 / 1103
Map Reference	MB 5 PG 132
Instrument Date	Jun 7, 2023
Instrument	2023074810
Transaction Type	Transfer
Record Updated	Jun 26, 2023
Title Company	OLIVER TITLE LAW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,295.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	717 N RIDGEWOOD AVE, DELAND, FL 32720-2644

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1690 ANDREA CT, KISSIMMEE, FL 34744-6602

Mortgage

Document Number	0064221105
Date	Jun 9, 2023
Instrument	6422/1105

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$3,297.00 (+45.05%)	$184,000 (+13.65%) Land $30,000 Building $154,000	$184,000 (+13.65%) Land $30,000 Building $154,000
2023	$2,273.00 (+19.44%)	$161,900 (+38.02%) Land $14,900 Building $147,000	$161,900 (+38.02%) Land $14,900 Building $147,000
2022	$1,903.00	$117,300 Land $14,900 Building $102,400	$117,300 Land $14,900 Building $102,400

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.

Nearby Properties on Duchess Oak Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures