423 Kentucky Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 423 Kentucky Ave, Saint Cloud, FL 34769 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,620 sqft · built 1920
Lot Size	0.344 acres (14,984 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (May 2020)
Tax Bill	$3,952 (2025)
Deeds & Mortgages	Aug 2017 Mortgage May 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0376-0070`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0376-0070`
Alternative APNs	`263001000103760070` `79626`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,620 sqft Living Area
Gross Area	1,809 sqft
1st Floor Area	810 sqft
Upper Floors Area	810 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2004
Architectural Style	Custom Design
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	14,984 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	189 sqft
Deck Area	160 sqft
Shed	1 Shed
Shed Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	423 KENTUCKY AVE
City	SAINT CLOUD
State	FL
Zip	34769-2819
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE FRONT ADDN PB B PG 61/62 BLK 376 LOT 7 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	7
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1015
Census Tract	43500

Owner

Source: Osceola County records · APN 01-26-30-0001-0376-0070

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 Record	Individual Name on File
Mailing Address	423 KENTUCKY AVE, SAINT CLOUD, FL 34769-2819
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 08, 2017	Deed of Trust, Mortgage · Conventional Mortgage RP FUNDING INC
May 21, 2020	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Feb 19, 2019	Warranty Deed, Transfer · FHA Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 21, 2020 · Amount on Record
Deed Sale	May 21, 2020 · Amount on Record
Prior Sale	Feb 19, 2019 · Amount on Record
Deed Document Number	202066961
Deed Book / Page	5725 / 2398
Prior Transfer Date	Aug 07, 2014
Prior Transfer Doc	0046582758
Record Updated	Jun 08, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	423 KENTUCKY AVE, SAINT CLOUD, FL 34769-2819
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051902852
Date	Aug 08, 2017
Book Page	5190/2852
Instrument	2017114112

Lender

Name	RP FUNDING INC
Type	Mortgage Company
Address	MAITLAND, FL 32751

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2047

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 21, 2020
Property Address	423 KENTUCKY AVE, SAINT CLOUD, FL 34769-2819
Document Number	0057252398
Book / Page	5725 / 2398
Map Reference	MB B PG 61-64
Instrument Date	May 20, 2020
Instrument	2020066961
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	CORE TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	809 SEABREEZE DR, 809, RUSKIN, FL 33570-2804

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 KENTUCKY AVE, SAINT CLOUD, FL 34769-2819

Mortgage

Document Number	0057252400
Date	May 21, 2020
Instrument	5725/2400

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2050

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 19, 2019
Property Address	423 KENTUCKY AVE, SAINT CLOUD, FL 34769-2819
Document Number	0054790800
Book / Page	005479 / 000800
Instrument Date	Feb 15, 2019
Instrument	21227
Transaction Type	Transfer
Record Updated	Feb 27, 2019
Title Company	CORE TITLE SERVICES LLC, CORE TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 KENTUCKY AVE ST CLOUD FL 347692819, ST CLOUD, FL 34769-2819

Mortgage

Document Number	54790803
Date	Feb 19, 2019
Book Page	005479/000803
Instrument	21228

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 18, 2049

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated 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	$3,952.00 (+7.48%)	$220,600 (+9.53%) Land $63,200 Building $157,400	$220,600 (+9.53%) Land $63,200 Building $157,400
2024	$3,677.00 (+8.34%)
2023	$3,394.00 (+9.98%)	$201,400 (+10.18%) Land $57,500 Building $143,900	$201,400 (+10.18%) Land $57,500 Building $143,900
2022	$3,086.00	$182,800 Land $51,800 Building $131,000	$182,800 Land $51,800 Building $131,000

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 17 individual NFIP policies nearby
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

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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, availability as of December 31, 2025 · Published October 2026 · based on 306 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	8,000 / 8,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

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

Mobile Coverage

5G and 4G LTE

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