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522 Kentucky Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 522 Kentucky Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,108 sqft · built 1930
Lot Size0.26 acres (11,326 sqft)
OwnerIndividual Name on File
Last Sale$164,000 (Nov 2020)
Tax Bill$1,684 (2025)
Deeds & MortgagesNov 2020 Sale & Mortgage
Aug 2019 Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN76639

Property Details

APN / Parcel Number

Primary APN76639
Alternative APN
  • 012630000100160100

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,108 sqft Heated Area
Gross Area1,252 sqft
1st Floor Area1,108 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1930
Effective Year BuiltEffective 1986
Exterior MaterialAluminum Siding
Foundation TypePier/Post & Beam
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area11,326 sqft (0.26 acres)
Lot Dimensions150 ft deep x 75 ft wide
Garage TypeCarport
CarportCarport
Parking Spaces1 Parking Space

Exterior Amenities

PorchFinished/Screened Porch
Porch Area144 sqft
Deck Area256 sqft
FenceFence
Shed1 Shed
Shed Area180 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number76639
Street Address522 KENTUCKY AVE
CitySAINT CLOUD
StateFL
Zip34769-2822
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR2
Legal DescriptionST CLOUD PB B PG 33-34 BLK 16 LOTS 10, 11 & 12 2/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD
Legal Tract1
Legal Block16
Legal Lot Number2,10-12 11
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1014
Census Tract43400

Owner

Source: Osceola County records · APN 76639

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address522 KENTUCKY AVE, SAINT CLOUD, FL 34769-2822
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 24, 2020Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Aug 09, 2019Deed of Trust, Mortgage · Conventional Mortgage
DM PTSHP LLC
Oct 26, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY
Jun 04, 2018Loan Modification, Mortgage · Conventional Mortgage
HEATHER JOHNSTON
Jul 19, 2017Loan Modification, Mortgage · Conventional with PMI
HEATHER JOHNSTON

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 24, 2020 · Amount on Record
Deed SaleNov 24, 2020 · Amount on Record
Prior SaleOct 26, 2018 · Amount on Record
Deed Document Number2020160798
Deed Book / Page5839 / 614
Record UpdatedJun 08, 2026

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 24, 2020
Property Address522 KENTUCKY AVE, SAINT CLOUD, FL 34769-2822
Document Number0058390614
Book / Page5839 / 614
Map ReferenceMB B PG 33&34
Instrument DateNov 16, 2020
Instrument2020160798
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyLAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,148.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address522 KENTUCKY AVE, SAINT CLOUD, FL 34769-2822

Mortgage

Document Number0005839616
DateNov 24, 2020
Instrument5839/616
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2050

August 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address522 KENTUCKY AVE, SAINT CLOUD, FL 34769-2822
Document Number0055720209
Instrument DateAug 09, 2019
Transaction TypeMortgage
Record UpdatedAug 30, 2019
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
Address522 KENTUCKY AVE ST CLOUD FL 347692822, ST CLOUD, FL 34769-2822

Mortgage

Document Number0055720209
DateAug 12, 2019
Book Page005572/000209
Instrument103826
Lender
NameDM PTSHP LLC
Address830 N JOHN YOUNG PKWY, KISSIMMEE, FL 34741-4912
Agreement
TypeConventional Mortgage
AmountAmount Recorded

October 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateOct 26, 2018
Property Address522 KENTUCKY AVE, SAINT CLOUD, FL 34769-2822
Document Number0054241292
Book / Page005424 / 001292
Instrument DateOct 26, 2018
Instrument160541
Transaction TypeTransfer
Record UpdatedNov 13, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$297.50
Amount AccuracyConfirmed
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address6301 LAKE RD ST CLOUD FL 347719006, ST CLOUD, FL 34771-9006

June 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address522 KENTUCKY AVE, SAINT CLOUD, FL 34769-2822
Document Number0053450203
Instrument DateJun 04, 2018
Transaction TypeMortgage
Record UpdatedJul 04, 2018
Title CompanySTEWART TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0053450203
DateJun 05, 2018
Book Page005345/000203
Instrument86997
Lender
NameHEATHER JOHNSTON
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term12 Months
DueJun 04, 2019

July 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address522 KENTUCKY AVE, SAINT CLOUD, FL 34769-2822
Document Number0052071387
Book / Page005207 / 001387
Instrument DateJul 19, 2017
Transaction TypeMortgage
Record UpdatedOct 06, 2017
Title CompanySTEWART TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0052071387
DateSep 14, 2017
Book Page005207/001387
Instrument129972
Lender
NameHEATHER JOHNSTON
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term12 Months
DueSep 13, 2018

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$1,684.00 (+8.3%) Homeowner's exemption$137,009 (+6.61%)$187,700 (+11.86%) Land $55,000 Building $132,700
2023$1,555.00 (+4.43%) Homeowner's exemption$128,516 (+3%)$167,800 (+15.17%) Land $50,000 Building $117,800
2022$1,489.00 Homeowner's exemption$124,773$145,700 Land $45,000 Building $100,700

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 12 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies12 in force

Wildfire

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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

ProviderMax Down / Up (Mbps)
Lumen Technologies
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

Based on FCC filings for 526 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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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.

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