Osceola County property record for 329 Kentucky Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,492 sqft · built 1966 |
| Lot Size | 0.219 acres (9,583 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $308,000 (Apr 2022) |
| Tax Bill | $5,244 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Oct 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 79994 |
| Primary APN | 79994 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,492 sqft Heated Area |
| Gross Area | 1,688 sqft |
| 1st Floor Area | 1,175 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1976 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 9,583 sqft (0.219 acres) |
| Lot Dimensions | 150 ft deep x 62.5 ft wide |
| Garage Area | 317 sqft |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 401 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 79994 |
|---|---|
| Street Address | 329 KENTUCKY AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2318 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | LAKE VIEW PARK PB 1 PG 159 BLK 405 LOTS 14 & S 12.5 FT LOT 15 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND AND 3RD STREETS |
| Legal Tract | 1 |
| Legal Block | 405 |
| Legal Lot Number | 14-15 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 43500 |
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 |
|---|---|
| Co-owner | 2 Co-owners on Record |
| Mailing Address | 329 KENTUCKY AVE, SAINT CLOUD, FL 34769-2318 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 23, 2025 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Oct 27, 2023 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Nov 27, 2017 | Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA |
| Apr 19, 2022 | Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC |
| Aug 9, 2019 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE FIRM |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Apr 19, 2022 · Amount on Record |
| Deed Sale | Apr 19, 2022 · Amount on Record |
| Prior Sale | Aug 9, 2019 · Amount on Record |
| Deed Document Number | 2022061202 |
| Deed Book / Page | 6196 / 1158 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 329 KENTUCKY AVE, SAINT CLOUD, FL 34769-2318 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2025 |
| Name | Verified Name |
|---|---|
| Address | 329 KENTUCKY AVE, SAINT CLOUD, FL 34769-2318 |
| Document Number | 0068691133 |
|---|---|
| Date | Oct 23, 2025 |
| Book Page | 6869/1133 |
| Instrument | 2025131394 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | MADISON HEIGHTS, MI 48071 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 319 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 329 KENTUCKY AVE, SAINT CLOUD, FL 34769-2318 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 329 KENTUCKY AVE, SAINT CLOUD, FL 34769-2318 |
| Document Number | 0064962108 |
|---|---|
| Date | Oct 27, 2023 |
| Book Page | 6496/2108 |
| Instrument | 2023142054 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | MADISON HEIGHTS, MI 48071 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 343 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 329 KENTUCKY AVE, SAINT CLOUD, FL 34769-2318 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0052440101 |
|---|---|
| Date | Nov 27, 2017 |
| Book Page | 5244/0101 |
| Instrument | 2017167614 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 10, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 19, 2022 |
| Property Address | 329 KENTUCKY AVE, SAINT CLOUD, FL 34769-2318 |
| Document Number | 0061961158 |
| Book / Page | 6196 / 1158 |
| Map Reference | MB 1 PG 159 |
| Instrument Date | Apr 18, 2022 |
| Instrument | 2022061202 |
| Transaction Type | Transfer |
| Record Updated | May 4, 2022 |
| Title Company | NONA TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,156.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 681 NE 453RD AVE, 681, OLD TOWN, FL 32680-5256 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5200 LANDMARK DR, SAINT CLOUD, FL 34771-7847 |
| Document Number | 0061961167 |
|---|---|
| Date | Apr 19, 2022 |
| Instrument | 6196/1167 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 9, 2019 |
| Property Address | 329 KENTUCKY AVE, SAINT CLOUD, FL 34769-2318 |
| Document Number | 0055701905 |
| Book / Page | 005570 / 001905 |
| Instrument Date | Aug 9, 2019 |
| Instrument | 102660 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2019 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,505.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 329 KENTUCKY AVE ST CLOUD FL 347692318, ST CLOUD, FL 34769-2318 |
| Document Number | 55701907 |
|---|---|
| Date | Aug 9, 2019 |
| Book Page | 005570/001907 |
| Instrument | 102661 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 8, 2049 |
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 | $5,244.00 (+14.72%) | $292,800 (+15.46%) Land $60,000 Building $232,800 | $292,800 (+15.46%) Land $60,000 Building $232,800 |
| 2023 | $4,571.00 (+24.82%) | $253,600 (+18.84%) Land $55,000 Building $198,600 | $253,600 (+18.84%) Land $55,000 Building $198,600 |
| 2022 | $3,662.00 | $213,400 Land $50,000 Building $163,400 | $213,400 Land $50,000 Building $163,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 17 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 1 (1994) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Nov 1994 · rainfall accumulation |
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.
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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