2922 Duchess Oak Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2922 Duchess Oak Ct, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 962 sqft · built 1989
Lot Size	0.037 acres (1,611 sqft)
Owner	2 Individual Names on Record
Last Sale	$117,000 (Jun 2018)
Tax Bill	$1,163 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jan 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-26-30-0037-0001-1970`

Property Details

APN / Parcel Number

Primary APN	`09-26-30-0037-0001-1970`
Alternative APNs	`263009003700011970` `83095`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	962 sqft Living Area
Gross Area	1,028 sqft
1st Floor Area	962 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,611 sqft (0.037 acres)
Lot Dimensions	52 ft deep x 30.3 ft wide
Porch	Metal Porch
Porch Area	228 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2922 DUCHESS OAK CT
City	SAINT CLOUD
State	FL
Zip	34769-6601
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	KING OAK VILLAS PHASE 3 4TH ADDITION PB 5 PG 132 LOT 197
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	KING OAK VILLAS PH 3 4TH ADD
Legal Phase	3
Legal Tract	37
Legal Block	1970
Legal Lot Number	197
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 November 26, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2922 DUCHESS OAK CT, SAINT CLOUD, FL 34769-6601
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Jan 27, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Jan 27, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Jun 1, 2018	Warranty Deed, Transfer · VA Mortgage RP FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2018 · Amount on Record
Deed Sale	Jun 1, 2018 · Amount on Record
Prior Sale	Aug 25, 2004 · Amount on Record
Deed Document Number	201885504
Deed Book / Page	5343 / 751
Prior Transfer Date	Apr 30, 2015
Prior Transfer Doc	0047961006
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2922 DUCHESS OAK CT, SAINT CLOUD, FL 34769-6601
Transaction Type	Mortgage
Record Updated	Jul 8, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0059881501
Date	Jun 24, 2021
Book Page	5988/1501
Instrument	2021099113

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2922 DUCHESS OAK CT, SAINT CLOUD, FL 34769-6601
Document Number	0056712521
Instrument Date	Jan 27, 2020
Transaction Type	Mortgage
Record Updated	Mar 2, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2922 DUCHESS OAK CT ST CLOUD FL 347696601, ST CLOUD, FL 34769-6601

Mortgage

Document Number	0056712521
Date	Feb 10, 2020
Book Page	005671/002521
Instrument	20150

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 9, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2922 DUCHESS OAK CT, SAINT CLOUD, FL 34769-6601
Document Number	0056662613
Instrument Date	Jan 27, 2020
Transaction Type	Mortgage
Record Updated	Feb 25, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2922 DUCHESS OAK CT ST CLOUD FL 347696601, ST CLOUD, FL 34769-6601

Mortgage

Document Number	0056662613
Date	Jan 31, 2020
Book Page	005666/002613
Instrument	15342

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 30, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 1, 2018
Property Address	2922 DUCHESS OAK CT, SAINT CLOUD, FL 34769-6601
Document Number	0053430751
Book / Page	5343 / 0751
Map Reference	MB5 PG132
Instrument Date	May 30, 2018
Instrument	2018085504
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$819.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	517 BELLINI WAY, 517, KISSIMMEE, FL 34759-4332

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2922 DUCHES, SAINT CLOUD, FL 34769

Mortgage

Document Number	2018085505
Date	Jun 1, 2018
Instrument	2018085505

Lender

Name	RP FUNDING INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$1,163.00 (+4.21%) Homeowner's exemption	$107,886 (+5.99%)	$194,300 (+13.16%) Land $30,000 Building $164,300
2024	$1,116.00 (+3.91%)
2023	$1,074.00 (+5.19%) Homeowner's exemption	$101,793 (+3%)	$171,700 (+32.28%) Land $14,900 Building $156,800
2022	$1,021.00 Homeowner's exemption	$98,829	$129,800 Land $14,900 Building $114,900

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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