506 Kentucky Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 506 Kentucky Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,096 sqft · built 1969
Lot Size	0.189 acres (8,232 sqft)
Owner	2 Individual Names on Record
Last Sale	$178,900 (Sep 2006)
Tax Bill	$529 (2025)
Deeds & Mortgages	Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0016-0030`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0016-0030`
Alternative APNs	`263001000100160030` `76636`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,096 sqft Living Area
Gross Area	1,572 sqft
1st Floor Area	976 sqft
Flooring	Terrazzo
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	L-Shape
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Built-Up Asphalt
Lot Area	8,232 sqft (0.189 acres)
Lot Dimensions	150 ft deep x 55 ft wide
Garage Type	Carport
Garage Area	336 sqft
Carport	Carport
Carport Area	336 sqft

Exterior Amenities

Porch	Enclosed/Finished Porch
Porch Area	260 sqft
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	HVAC

Location & Zoning

Street Address	506 KENTUCKY AVE
City	SAINT CLOUD
State	FL
Zip	34769-2822
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 33/34 BLK 16 LOTS 3, 4 & N 5 FT LOT 5 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	16
Legal Lot Number	3
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1014
Census Tract	43400

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	506 KENTUCKY AVE, SAINT CLOUD, FL 34769-2822
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2006 · Amount on Record
Deed Sale	Sep 6, 2006 · Amount on Record
Deed Document Number	2006220432
Deed Book / Page	3267 / 2327
Last Transfer Date	Jul 23, 2021
Transfer Doc	0061070591
Record Updated	Jun 8, 2026

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Dec 14, 2021
Property Address	506 KENTUCKY AVE, SAINT CLOUD, FL 34769-2822
Document Number	0061070591
Book / Page	6107 / 591
Map Reference	MB B PG 33&34
Instrument Date	Jul 23, 2021
Instrument	2021192369
Transaction Type	Transfer
Record Updated	Dec 28, 2021
Title Company	MORTGAGE CONNECT LP

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	506 KENTUCKY AVE, SAINT CLOUD, FL 34769-2822

Mortgage

Document Number	0006107594
Date	Dec 14, 2021
Instrument	6107/594

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

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	$529.00 (+2.12%) Homeowner's exemption	$64,641 (+5.98%)	$188,600 (+13.07%) Land $46,800 Building $141,800
2024	$518.00 (+0.78%)
2023	$514.00 (+1.78%) Homeowner's exemption	$60,991 (+3%)	$166,800 (+12.78%) Land $42,500 Building $124,300
2022	$505.00 Homeowner's exemption	$59,215	$147,900 Land $38,200 Building $109,700

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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 Record median of 12 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	12 in force

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

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	0.01% 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 526 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20