424 Kentucky Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 424 Kentucky Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	1 ba · 960 sqft · built 1925
Lot Size	0.339 acres (14,810 sqft)
Owner	Individual Name on File
Last Sale	$157,000 (Jun 2005)
Tax Bill	$771 (2025)
Flood Zone	Zone X (minimal risk)
APN	`79636`

Property Details

APN / Parcel Number

Primary APN	`79636`
Alternative APN	`012630000103770040`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	960 sqft Heated Area
Gross Area	1,114 sqft
1st Floor Area	870 sqft
Upper Floors Area	480 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1960
Exterior Material	Vinyl
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	14,810 sqft (0.339 acres)
Lot Dimensions	150 ft deep x 100 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	154 sqft
Deck Area	384 sqft
Fence	Fence
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	79636
Street Address	424 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 LOT 4 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	2,4
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1013
Census Tract	43400

Owner

Source: Osceola County records · APN 79636

Assessment roll updated July 1, 2025 · Last verified December 2025

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
Co-owner	Verified Secondary Owner
Mailing Address	424 KENTUCKY AVE, SAINT CLOUD, FL 34769-2820
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 08, 2005 · Amount on Record
Deed Sale	Jun 08, 2005 · Amount on Record
Prior Sale	Apr 18, 2003 · Amount on Record
Deed Document Number	2005130324
Deed Book / Page	2800 / 2553
Record Updated	Jun 08, 2026

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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	$771.00 (+9.83%) Homeowner's exemption	$85,760 (+5.99%)	$208,700 (+12.45%) Land $63,200 Building $145,500
2023	$702.00 (+6.36%) Homeowner's exemption	$80,917 (+3%)	$185,600 (+12.35%) Land $57,500 Building $128,100
2022	$660.00 Homeowner's exemption	$78,561	$165,200 Land $51,800 Building $113,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · 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 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

Based on FCC filings for 306 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System 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.