Osceola County property record for 326 Kentucky Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,766 sqft · built 1925 |
| Lot Size | 0.339 acres (14,810 sqft) |
| Owner | Individual Name on File |
| Last Sale | $386,000 (Jul 2024) |
| Tax Bill | $6,173 (2025) |
| Deeds & Mortgages | May 2020 Sale & Mortgage Jun 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 79974 |
| Primary APN | 79974 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,766 sqft Heated Area |
| Gross Area | 2,414 sqft |
| 1st Floor Area | 1,568 sqft |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Flat |
| Roof Material | Built-Up Asphalt |
| Lot Area | 14,810 sqft (0.339 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Garage Type | Carport |
| Garage Area | 324 sqft |
| Carport | Carport |
| Parking Spaces | 3 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 342 sqft |
| Shed | 1 Shed |
| Shed Area | 64 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 79974 |
|---|---|
| Street Address | 326 KENTUCKY AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2319 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | LAKE VIEW PARK RESUB PB 1 PG 159 BLK 404 LOTS 5 & 6 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND AND 3RD STREETS |
| Legal Tract | 1 |
| Legal Block | 404 |
| Legal Lot Number | 5-6 6 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 43400 |
326 Kentucky Ave is owned and occupied by an individual who bought it in July 2024.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 326 KENTUCKY AVE, SAINT CLOUD, FL 34769-2319 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 13, 2020 | Warranty Deed, Transfer · Conventional Mortgage BANK OF LITTLE ROCK |
| Jun 7, 2019 | Grant Deed, Transfer BRIGHT LINE TITLE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 29, 2024 · Amount on File |
| Deed Sale | Jul 29, 2024 · Amount on File |
| Prior Sale | May 13, 2020 · Amount on File |
| Deed Document Number | 0066402510 |
| Deed Book / Page | 6640 / 2510 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 13, 2020 |
| Property Address | 326 KENTUCKY AVE, SAINT CLOUD, FL 34769-2319 |
| Document Number | 0057211280 |
| Book / Page | 005721 / 001280 |
| Instrument Date | May 11, 2020 |
| Instrument | 63428 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2020 |
| Title Company | CORE TITLE SERVICES LLC, CORE TITLE SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,889.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 326 KENTUCKY AVE ST CLOUD FL 347692319, ST CLOUD, FL 34769-2319 |
| Document Number | 57211282 |
|---|---|
| Date | May 13, 2020 |
| Book Page | 005721/001282 |
| Instrument | 63429 |
| Name | BANK OF LITTLE ROCK |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72223 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 12, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 7, 2019 |
| Property Address | 326 KENTUCKY AVE, SAINT CLOUD, FL 34769-2319 |
| Document Number | 0055362747 |
| Book / Page | 005536 / 002747 |
| Instrument Date | Mar 19, 2019 |
| Instrument | 73327 |
| Transaction Type | Transfer |
| Record Updated | Jun 20, 2019 |
| Title Company | BRIGHT LINE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $946.40 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 326 KENTUCKY AVE ST CLOUD FL 347692319, ST CLOUD, FL 34769-2319 |
The 2025 property tax bill for 326 Kentucky Ave was $6,173.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,173.00 | $344,700 Land $66,000 Building $278,700 | $344,700 Land $66,000 Building $278,700 |
| 2023 | $3,654.00 (+3.57%) Homeowner's exemption | $245,031 (+3%) | $308,400 (+12.47%) Land $60,500 Building $247,900 |
| 2022 | $3,528.00 Homeowner's exemption | $237,895 | $274,200 Land $55,000 Building $219,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 326 Kentucky Ave in Zone X, an area of minimal flood risk.
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 File median of 12 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 12 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 risk around 326 Kentucky Ave is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 306 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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