2910 Duchess Oak Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2910 Duchess Oak Ct, Saint Cloud, FL 34769

Property Summary

Property Type	Townhouse
Details	2 bd · 2 ba · 886 sqft · built 1989
Lot Size	0.033 acres (1,481 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Oct 2022)
Tax Bill	$2,527 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`83101`

Property Details

APN / Parcel Number

Primary APN	`83101`
Alternative APN	`092630003700012030`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	886 sqft Heated Area
Gross Area	1,030 sqft
1st Floor Area	886 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Exterior Material	Aluminum Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,481 sqft (0.033 acres)
Lot Dimensions	52 ft deep x 28 ft wide
Porch	Open Porch
Porch Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	83101
Street Address	2910 DUCHESS OAK CT
City	SAINT CLOUD
State	FL
Zip	34769-6600
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 203
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	203
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
Mailing Address	2910 DUCHESS OAK CT, SAINT CLOUD, FL 34769-6600
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2022	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC
Nov 9, 2020	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2022 · Amount on Record
Deed Sale	Oct 31, 2022 · Amount on Record
Prior Sale	Nov 9, 2020 · Amount on Record
Deed Document Number	2022160137
Deed Book / Page	6308 / 1225
Record Updated	Jun 8, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 31, 2022
Property Address	2910 DUCHESS OAK CT, SAINT CLOUD, FL 34769-6600
Document Number	0063081225
Book / Page	6308 / 1225
Map Reference	MB 5 PG 132
Instrument Date	Oct 27, 2022
Instrument	2022160137
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2910 DUCHESS OAK CT, 2910, SAINT CLOUD, FL 34769-6600

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2910 DUCHESS OAK CT, SAINT CLOUD, FL 34769-6600

Mortgage

Document Number	0063081227
Date	Oct 31, 2022
Instrument	6308/1227

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 9, 2020
Property Address	2910 DUCHESS OAK CT, SAINT CLOUD, FL 34769-6600
Document Number	0058291503
Book / Page	5829 / 1503
Map Reference	MB 5 PG 132
Instrument Date	Nov 6, 2020
Instrument	2020153067
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,071.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	51 BLUE BAY LN, 51, CAMERON, NC 28326-4011

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2910 DUCHESS OAK CT, SAINT CLOUD, FL 34769-6600

Mortgage

Document Number	0058291505
Date	Nov 9, 2020
Instrument	5829/1505

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

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	$2,527.00 (+6.67%) Homeowner's exemption	$184,099 (+5.99%)	$196,300 (+13.01%) Land $30,000 Building $166,300
2023	$2,369.00 (+67.3%) Homeowner's exemption	$173,700 (+43.89%) Land $14,900 Building $158,800	$173,700 (+32.39%) Land $14,900 Building $158,800
2022	$1,416.00 Homeowner's exemption	$120,716	$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 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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