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2920 Duchess Oak Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2920 Duchess Oak Ct, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,126 sqft · built 1989
Lot Size0.041 acres (1,785 sqft)
OwnerIndividual Name on Record
Last Sale$240,000 (Jun 2025)
Tax Bill$3,719 (2025)
Deeds & MortgagesApr 2024 Mortgage
Dec 2020 Transfer
Flood ZoneZone X (minimal risk)
APN09-26-30-0037-0001-1980

Property Details

APN / Parcel Number

Primary APN09-26-30-0037-0001-1980
Alternative APNs
  • 263009003700011980
  • 83096

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,126 sqft Living Area
Gross Area1,168 sqft
1st Floor Area1,126 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 1989
Architectural StyleCustom Design
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area1,785 sqft (0.041 acres)
Lot Dimensions52 ft deep x 34 ft wide
PorchMetal Porch
Porch Area212 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address2920 DUCHESS OAK CT
CitySAINT CLOUD
StateFL
Zip34769-6601
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSPUD
Legal DescriptionKING OAK VILLAS PHASE 3 4TH ADDITION PB 5 PG 132 LOT 198
Legal Range30E
Legal Township26S
Legal Section09
Legal SubdivisionKING OAK VILLAS PH 3 4TH ADD
Legal Phase3
Legal Tract37
Legal Block1980
Legal Lot Number198
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3004
Census Tract43208

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 RecordIndividual Name on Record
Mailing Address2523 FONTAINE DR, KISSIMMEE, FL 34741-7853
Owner TypeIndividual
VestingMarried

Deeds, Mortgages & Sale History

DateDocument
Apr 4, 2024Deed of Trust, Mortgage · Conventional Mortgage
A&D MORTGAGE LLC
Dec 17, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 11, 2025 · Amount on Record
Deed SaleJun 11, 2025 · Amount on Record
Prior SaleApr 4, 2024 · Amount on Record
Deed Document Number202574152
Deed Book / Page6803 / 1260
Prior Transfer DateDec 15, 2020
Prior Transfer Doc0058530757
Record UpdatedJun 8, 2026

April 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2920 DUCHESS OAK CT, SAINT CLOUD, FL 34769-6601
Transaction TypeMortgage
Record UpdatedMay 14, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address2523 FONTAINE DR, KISSIMMEE, FL 34741-7853

Mortgage

Document Number0065771013
DateApr 4, 2024
Book Page6577/1013
Instrument2024043258
Lender
NameA&D MORTGAGE LLC
TypeMortgage Company
Address1040 S FEDERAL HWY, HOLLYWOOD, FL 33020
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 1, 2054
Interest
Rate TypeAdjustable Rate

December 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateDec 17, 2020
Property Address2920 DUCHESS OAK CT, SAINT CLOUD, FL 34769-6601
Document Number0058530757
Book / Page005853 / 000757
Instrument DateDec 15, 2020
Instrument171570
Transaction TypeTransfer
Record UpdatedJan 8, 2021
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address2918 SQUIRE OAK CT ST CLOUD FL 347696607, ST CLOUD, FL 34769-6607

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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$3,719.00 (+135.98%)$207,600 (+57.68%) Land $30,000 Building $177,600$207,600 (+12.52%) Land $30,000 Building $177,600
2024$1,576.00 (+3.55%)
2023$1,522.00 (-0.85%) Homeowner's exemption Disabled Person's exemption$131,657 (+3%)$184,500 (+32.64%) Land $14,900 Building $169,600
2022$1,535.00 Homeowner's exemption Disabled Person's exemption$127,823$139,100 Land $14,900 Building $124,200

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 57% of the US · lower than 69% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
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 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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