Osceola County property record for 610 Kentucky Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,356 sqft · built 1945 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $320,000 (Oct 2025) |
| Tax Bill | $830 (2025) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage Apr 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 76888 |
| Primary APN | 76888 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,356 sqft Heated Area |
| Gross Area | 1,674 sqft |
| 1st Floor Area | 1,220 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.169 acres) |
| Lot Dimensions | 144 ft deep x 50 ft wide |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 454 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 240 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 76888 |
|---|---|
| Street Address | 610 KENTUCKY AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2824 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 34 BLK 43 LOTS 3 & 4 LESS W 6 FT 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 43 |
| Legal Lot Number | 3-4 4 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 43400 |
610 Kentucky Ave is owned and occupied by an individual who bought it in October 2025.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3831 CABO ROJO DR, SAINT CLOUD, FL 34772-8373 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Oct 3, 2025 | Warranty Deed, Transfer · FHA Mortgage T2 FINANCIAL LLC |
| Apr 23, 2018 | Deed of Trust, Mortgage · FHA Mortgage MR COOPER |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 3, 2025 · Amount on File |
| Deed Sale | Oct 3, 2025 · Amount on File |
| Prior Sale | Mar 19, 2013 · Amount on File |
| Deed Document Number | 2025122756 |
| Deed Book / Page | 6859 / 263 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 3, 2025 |
| Property Address | 610 KENTUCKY AVE, SAINT CLOUD, FL 34769-2824 |
| Document Number | 0068590263 |
| Book / Page | 6859 / 263 |
| Map Reference | MB B PG 33 |
| Instrument Date | Oct 2, 2025 |
| Instrument | 2025122756 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,240.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 610 KENTUCKY AVE, SAINT CLOUD, FL 34769-2824 |
| Name | Verified Name |
|---|---|
| Address | 3831 CABO ROJO DR, SAINT CLOUD, FL 34772-8373 |
| Document Number | 0006859265 |
|---|---|
| Date | Oct 3, 2025 |
| Instrument | 6859/265 |
| Name | T2 FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Number | 0068600003 |
|---|---|
| Date | Oct 6, 2025 |
| Book Page | 6860/3 |
| Instrument | 2025123326 |
| Name | T2 FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTERVILLE, OH 43082 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 610 KENTUCKY AVE, SAINT CLOUD, FL 34769-2824 |
| Document Number | 0053270029 |
| Instrument Date | Apr 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 31, 2018 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 610 KENTUCKY AVE ST CLOUD FL 347692824, ST CLOUD, FL 34769-2824 |
| Document Number | 0053270029 |
|---|---|
| Date | May 2, 2018 |
| Book Page | 005327/000029 |
| Instrument | 70098 |
| Name | MR COOPER |
|---|---|
| Address | DALLAS, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2048 |
The 2025 property tax bill for 610 Kentucky Ave was $830 with a homeowner's exemption, up 4.7% from the year before.
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 | $830.00 (+4.67%) Homeowner's exemption | $89,266 (+2.9%) | $219,900 (+2.04%) Land $46,800 Building $173,100 |
| 2024 | $793.00 (+4.76%) Homeowner's exemption | $86,751 (+3%) | $215,500 (+15.43%) Land $46,800 Building $168,700 |
| 2023 | $757.00 (+6.02%) Homeowner's exemption | $84,225 (+3%) | $186,700 (+12.54%) Land $34,000 Building $152,700 |
| 2022 | $714.00 Homeowner's exemption | $81,772 | $165,900 Land $30,600 Building $135,300 |
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 610 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 610 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 |
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