400 Kentucky Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 400 Kentucky Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,211 sqft · built 1967
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$173,000 (May 2018)
Tax Bill	$4,604 (2025)
Deeds & Mortgages	May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`79632`

Property Details

APN / Parcel Number

Primary APN	`79632`
Alternative APN	`012630000103770010`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,211 sqft Heated Area
Gross Area	1,498 sqft
1st Floor Area	1,007 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1977
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Built-Up Asphalt
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Porch	Enclosed Porch
Porch Area	407 sqft
Utility Building	16 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	79632
Street Address	400 KENTUCKY AVE
City	SAINT CLOUD
State	FL
Zip	34769-2820
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1A
Legal Description	LAKE FRONT ADDN PB B PG 61/62 BLK 377 N 60 FT LOT 1 2/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	377
Legal Lot Number	1-2
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1013
Census Tract	43400

Owner

400 Kentucky Ave is owned and occupied by an individual who bought it in May 2018.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Mailing Address	400 KENTUCKY AVE, SAINT CLOUD, FL 34769-2820
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2018 · Amount on File
Deed Sale	May 4, 2018 · Amount on File
Prior Sale	Apr 3, 2006
Deed Document Number	0053282409
Deed Book / Page	5328 / 2409
Record Updated	Jun 8, 2026

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 4, 2018
Property Address	400 KENTUCKY AVE, SAINT CLOUD, FL 34769-2820
Document Number	0053282409
Book / Page	5328 / 2409
Map Reference	MB B PG61-64
Instrument Date	May 4, 2018
Instrument	2018071939
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,211.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	705 W BARBOUR ST, 705, EUFAULA, AL 36027-1905

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 KENTUCKY AVE, SAINT CLOUD, FL 34769-2820

Mortgage

Document Number	2018071940
Date	May 4, 2018
Instrument	2018071940

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 400 Kentucky Ave was $4,604.

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	$4,604.00	$268,000 Land $55,000 Building $213,000	$268,000 Land $55,000 Building $213,000
2023	$3,939.00 (+10.27%)	$241,100 (+11.11%) Land $50,000 Building $191,100	$241,100 (+11.11%) Land $50,000 Building $191,100
2022	$3,572.00	$217,000 Land $45,000 Building $172,000	$217,000 Land $45,000 Building $172,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 400 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

Wildfire risk around 400 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.

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 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