Osceola County property record for 512 Kentucky Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 960 sqft · built 1971 |
| Lot Size | 0.239 acres (10,454 sqft) |
| Owner | Company Name on File |
| Last Sale | $266,000 (Feb 2024) |
| Tax Bill | $3,868 (2025) |
| Deeds & Mortgages | Feb 2024 Sale Dec 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 76637 |
| Primary APN | 76637 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 960 sqft Heated Area |
| Gross Area | 1,564 sqft |
| 1st Floor Area | 960 sqft |
| Flooring | Terrazzo |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1971 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Built-Up Asphalt |
| Lot Area | 10,454 sqft (0.239 acres) |
| Lot Dimensions | 150 ft deep x 70 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 280 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 76637 |
|---|---|
| Street Address | 512 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 S 20 FT LOT 5 & ALL 6 & 7 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 16 |
| Legal Lot Number | 5 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 43400 |
512 Kentucky Ave is owned by a company that bought it in February 2024.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 605 ORANGE AVE, SAINT CLOUD, FL 34769-3061 |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 5, 2024 | Warranty Deed, Transfer RED DOOR TITLE |
| Dec 5, 2022 | Warranty Deed, Transfer · Balloon Mortgage CAPITAL FUNDING |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 5, 2024 · Amount on File |
| Deed Sale | Feb 5, 2024 · Amount on File |
| Prior Sale | Dec 5, 2022 · Amount on File |
| Deed Document Number | 2024014460 |
| Deed Book / Page | 6544 / 619 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 5, 2024 |
| Property Address | 512 KENTUCKY AVE, SAINT CLOUD, FL 34769-2822 |
| Document Number | 0065440619 |
| Book / Page | 6544 / 619 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | Jan 31, 2024 |
| Instrument | 2024014460 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2024 |
| Title Company | RED DOOR TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $1,862.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12221 AUGUSTA WOODS CIR, ORLANDO, FL 32824-9032 |
| Name | Verified Name |
|---|---|
| Address | 605 ORANGE AVE, SAINT CLOUD, FL 34769-3061 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 5, 2022 |
| Property Address | 512 KENTUCKY AVE, SAINT CLOUD, FL 34769-2822 |
| Document Number | 0063242694 |
| Book / Page | 6324 / 2694 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | Dec 2, 2022 |
| Instrument | 2022174635 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2022 |
| Title Company | RED DOOR TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,491.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7006 NW 99TH WAY, TAMARAC, FL 33321-1811 |
| Name | Verified Name |
|---|---|
| Address | 12221 AUGUSTA WOODS CIR, ORLANDO, FL 32824-9032 |
| Document Number | 0063242696 |
|---|---|
| Date | Dec 5, 2022 |
| Instrument | 6324/2696 |
| Name | CAPITAL FUNDING |
|---|---|
| Type | Mortgage Company |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 512 Kentucky Ave was $3,868.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,868.00 | $215,900 Land $55,000 Building $160,900 | $215,900 Land $55,000 Building $160,900 |
| 2023 | $3,081.00 (+310.25%) | $170,900 (+102.67%) Land $50,000 Building $120,900 | $170,900 (+12.51%) Land $50,000 Building $120,900 |
| 2022 | $751.00 Homeowner's exemption Disabled Person's exemption | $84,325 | $151,900 Land $45,000 Building $106,900 |
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.
FEMA maps place 512 Kentucky Ave in Zone X, an area of minimal flood risk.
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 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 risk around 512 Kentucky Ave is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures