412 Kentucky Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 412 Kentucky Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,274 sqft · built 1968
Lot Size	0.207 acres (9,016 sqft)
Owner	Individual Name on File
Last Sale	$25,400 (May 2016)
Tax Bill	$540 (2025)
Deeds & Mortgages	Jun 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0377-0020`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0377-0020`
Alternative APNs	`263001000103770020` `79634`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,274 sqft Living Area
Gross Area	1,942 sqft
1st Floor Area	840 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,016 sqft (0.207 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Garage Type	Carport
Garage Area	381 sqft
Carport	Carport
Carport Area	381 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	658 sqft
Shed	1 Shed
Shed Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Radiant

Location & Zoning

Street Address	412 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 ADD PB B PG 61/62 BLK 377 S 60 FT OF LOT 2 2/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	377
Legal Lot Number	2
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1013
Census Tract	43400

Owner

Source: Osceola County assessment roll, APN 01-26-30-0001-0377-0020, as of 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 Record	Individual Name on File
Mailing Address	412 KENTUCKY AVE, SAINT CLOUD, FL 34769-2820
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 24, 2016 · Amount on Record
Deed Sale	May 24, 2016 · Amount on Record
Deed Document Number	201679318
Deed Book / Page	4965 / 1361
Prior Transfer Date	May 15, 2016
Prior Transfer Doc	0049651361
Record Updated	Jun 08, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	412 KENTUCKY AVE, SAINT CLOUD, FL 34769-2820
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053450823
Date	Jun 05, 2018
Book Page	5345/0823
Instrument	2018087146

Lender

Name	CENTRAL FLORIDA EDUCATORS FCU
Type	Credit Union
Address	LAKE MARY, FL 32746

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Osceola County assessment roll as of November 26, 2025 · Last verified April 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$540.00 (+2.08%) Homeowner's exemption	$66,720 (+5.99%)	$200,700 (+12.94%) Land $55,000 Building $145,700
2024	$529.00 (+0.76%)
2023	$525.00 (+1.94%) Homeowner's exemption	$62,952 (+3%)	$177,700 (+12.68%) Land $50,000 Building $127,700
2022	$515.00 Homeowner's exemption	$61,119	$157,700 Land $45,000 Building $112,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970434001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	12 in force

Wildfire

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 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, 306 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL3491373, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.