417 Kentucky Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 417 Kentucky Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	1 ba · 958 sqft · built 1955
Lot Size	0.344 acres (14,984 sqft)
Owner	Individual Name on File
Last Sale	$106,000 (Mar 2017)
Tax Bill	$1,911 (2025)
Deeds & Mortgages	Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0376-0080`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0376-0080`
Alternative APNs	`263001000103760080` `79627`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	958 sqft Living Area
Gross Area	1,428 sqft
1st Floor Area	958 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1975
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,984 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Area	800 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Screened/Unfinished Porch
Porch Area	170 sqft
Shed	1 Shed
Shed Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	417 KENTUCKY AVE
City	SAINT CLOUD
State	FL
Zip	34769-2819
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1A
Legal Description	LAKE FRONT ADDN PB B PG 61/62 BLK 376 LOT 8 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	376
Legal Lot Number	8
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1015
Census Tract	43500

Owner

417 Kentucky Ave is owned and occupied by an individual who bought it in March 2017.

Source: Osceola County records, as of November 26, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	417 KENTUCKY AVE, SAINT CLOUD, FL 34769-2819
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2017 · Amount on File
Deed Sale	Mar 8, 2017 · Amount on File
Prior Sale	Jun 13, 2012 · Amount on File
Deed Document Number	201736877
Deed Book / Page	5113 / 147
Prior Transfer Date	Jul 17, 2007
Prior Transfer Doc	0036112699
Record Updated	Jun 8, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	417 KENTUCKY AVE, SAINT CLOUD, FL 34769-2819
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FREEDOM TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051140148
Date	Mar 8, 2017
Book Page	5114/0148
Instrument	2017036878

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 417 Kentucky Ave was $1,911 with a homeowner's exemption, up 3.9% from the year before.

Source: Osceola County assessment roll, as of November 26, 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	$1,911.00 (+3.86%) Homeowner's exemption	$149,643	$237,600 Land $63,200 Building $174,400
2024	$1,840.00 (+3.2%)
2023	$1,783.00 (+4.21%) Homeowner's exemption	$141,191 (+3%)	$211,900 (+14.98%) Land $57,500 Building $154,400
2022	$1,711.00 Homeowner's exemption	$137,079	$184,300 Land $51,800 Building $132,500

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

Flood

FEMA maps place 417 Kentucky Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1994.

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 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.

Wildfire

Wildfire risk around 417 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