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2909 Duchess Oak Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2909 Duchess Oak Ct, Saint Cloud, FL 34769

Property Summary

Property TypeTownhouse
Details2 bd · 2 ba · 886 sqft · built 1989
Lot Size0.033 acres (1,481 sqft)
OwnerIndividual Name on Record
Last Sale$100,000 (Apr 2021)
Tax Bill$1,759 (2025)
Deeds & MortgagesApr 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN83085

Property Details

APN / Parcel Number

Primary APN83085
Alternative APN
  • 092630003700011870

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area886 sqft Heated Area
Gross Area1,030 sqft
1st Floor Area886 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1989
Exterior MaterialAluminum Siding
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area1,481 sqft (0.033 acres)
Lot Dimensions52 ft deep x 28 ft wide
PorchOpen Porch
Porch Area160 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number83085
Street Address2909 DUCHESS OAK CT
CitySAINT CLOUD
StateFL
Zip34769-6603
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Local Zoning CodeSPUD
Legal DescriptionKING OAK VILLAS PHASE 3 4TH ADDITION PB 5 PG 132 LOT 187
Legal Range30E
Legal Township26S
Legal Section09
Legal SubdivisionKING OAK VIL PH1
Legal Phase3
Legal Tract37
Legal Block1
Legal Lot Number187
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3004
Census Tract43208

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 RecordIndividual Name on Record
Mailing Address2909 DUCHESS OAK CT, SAINT CLOUD, FL 34769-6603
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 12, 2021 · Amount on Record
Deed SaleApr 12, 2021 · Amount on Record
Deed Document Number2021054625
Deed Book / Page5933 / 373
Record UpdatedJun 8, 2026

April 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 12, 2021
Property Address2909 DUCHESS OAK CT, SAINT CLOUD, FL 34769-6603
Document Number0059330373
Book / Page5933 / 373
Map ReferenceMB 5 PG 132
Instrument DateMar 25, 2021
Instrument2021054625
Transaction TypeTransfer
Record UpdatedMay 10, 2021
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$700.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5026 VANTAGE CT, 5026, SAINT CLOUD, FL 34772-7560

Transferred To (Grantee/Buyer)

NameVerified Name
Address2909 DUCHESS OAK CT, SAINT CLOUD, FL 34769-6603

Mortgage

Document Number5933376
DateApr 12, 2021
Instrument5933/376
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 1, 2051

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,759.00 (+7.32%) Homeowner's exemption$141,152 (+5.99%)$193,600 (+13.15%) Land $30,000 Building $163,600
2023$1,639.00 (+4.33%) Homeowner's exemption$133,179 (+3%)$171,100 (+32.33%) Land $14,900 Building $156,200
2022$1,571.00 Homeowner's exemption$129,300 Land $14,900 Building $114,400$129,300 Land $14,900 Building $114,400

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 25 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies25 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 RiskModerate
above 43% of the US · lower than 85% of Florida
Wildfire Likelihood0.05% annual chance
ExposureNone
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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