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409 Kentucky Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 409 Kentucky Ave, Saint Cloud, FL 34769 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,423 sqft · built 1956
Lot Size0.172 acres (7,492 sqft)
Owner2 Individual Names on File
Last Sale$205,000 (Jun 2020)
Tax Bill$2,651 (2025)
Deeds & MortgagesJun 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN01-26-30-0001-0376-0095

Property Details

APN / Parcel Number

Primary APN01-26-30-0001-0376-0095
Alternative APNs
  • 263001000103760095
  • 79629

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,423 sqft Living Area
Gross Area1,823 sqft
1st Floor Area1,125 sqft
FlooringCarpet
Interior WallsPlaster

Exterior

Year BuiltBuilt 1956
Effective Year BuiltEffective 1985
Architectural StyleConventional
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area7,492 sqft (0.172 acres)
Lot Dimensions150 ft deep x 0.5 ft wide
Garage TypeDetached
Garage Area400 sqft
Parking Spaces2 Parking Spaces
PorchFlorida Room
Porch Area562 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address409 KENTUCKY AVE
CitySAINT CLOUD
StateFL
Zip34769-2819
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLAKE FRONT ADDN PB B PG 61/62 BLK 376 N 50 FT LOT 9 2-26-30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND PLAT TOWN OF
Legal Tract1
Legal Block376
Legal Lot Number9
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1015
Census Tract43500

Owner

Source: Osceola County records · APN 01-26-30-0001-0376-0095

Assessment roll updated November 26, 2025 · Last verified April 2026

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

Owner of Record2 Individual Names on File
Mailing Address409 KENTUCKY AVE, SAINT CLOUD, FL 34769-2819
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 05, 2020 · Amount on Record
Deed SaleJun 05, 2020 · Amount on Record
Prior SaleMar 14, 2005 · Amount on Record
Deed Document Number202072166
Deed Book / Page5732 / 1360
Prior Transfer DateAug 26, 2013
Prior Transfer Doc0045001822
Record UpdatedJun 08, 2026

June 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 05, 2020
Property Address409 KENTUCKY AVE, SAINT CLOUD, FL 34769-2819
Document Number0057321360
Book / Page5732 / 1360
Map ReferenceMB B PG 61-64
Instrument DateJun 04, 2020
Instrument2020072166
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyLAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,435.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1494 RIVIERA DR, 1494, KISSIMMEE, FL 34744-6683

Transferred To (Grantee/Buyer)

NameVerified Name
Address409 KENTUCKY AVE, SAINT CLOUD, FL 34769-2819

Mortgage

Document Number0057321364
DateJun 05, 2020
Instrument5732/1364
Lender
NameJPMORGAN CHASE BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$2,651.00 (+3.64%) Homeowner's exemption$191,036 (+5.99%)$279,900 (+12.23%) Land $46,800 Building $233,100
2024$2,558.00 (+2.85%)
2023$2,487.00 (+3.88%) Homeowner's exemption$180,246 (+3%)$249,400 (+18.09%) Land $42,500 Building $206,900
2022$2,394.00 Homeowner's exemption$174,997$211,200 Land $35,100 Building $176,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970435001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 17 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies17 in force
Nearby Flood Claims1 (1994)
Claims Outside the SFHA1 of 1
Most Recent ClaimNov 1994, rainfall accumulation

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 306 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber8,000 / 8,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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