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611 Kentucky Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 611 Kentucky Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,202 sqft · built 1919
Lot Size0.26 acres (11,326 sqft)
OwnerIndividual Name on Record
Last Sale$314,000 (Aug 2023)
Tax Bill$3,213 (2025)
Deeds & MortgagesAug 2023 Sale & Mortgage
Jul 2021 Sale & Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN76904

Property Details

APN / Parcel Number

Primary APN76904
Alternative APN
  • 012630000100440190

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,202 sqft Heated Area
Gross Area1,422 sqft
1st Floor Area484 sqft
Upper Floors Area484 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1919
Effective Year BuiltEffective 1999
Exterior MaterialVinyl
Foundation TypePier/Post & Beam
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area11,326 sqft (0.26 acres)
Lot Dimensions150 ft deep x 75 ft wide

Exterior Amenities

PorchEnclosed Porch
Porch Area234 sqft
Deck Area24 sqft
Patio Area80 sqft
FenceFence
Shed1 Shed
Shed Area80 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number76904
Street Address611 KENTUCKY AVE
CitySAINT CLOUD
StateFL
Zip34769-2823
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR2
Legal DescriptionST CLOUD PB B PG 34 BLK 44 LOTS 19, 20 & 21 2/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD
Legal Tract1
Legal Block44
Legal Lot Number2,19-21 20
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1025
Census Tract43500

Owner

Source: Osceola County records, as of December 11, 2025

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

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address611 KENTUCKY AVE, SAINT CLOUD, FL 34769-2823
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 18, 2023Warranty Deed, Transfer · FHA Mortgage
GUARANTEED RATE INC
Jul 29, 2021Warranty Deed, Transfer · FHA Mortgage
CARDINAL FINANCIAL COMPANY LP
Apr 6, 2021Warranty Deed, Transfer
STEWART TITLE COMPANY-F, STEWART TITLE COMPANY
Apr 17, 2019Warranty Deed, Transfer
OTHER
Apr 15, 2019Warranty Deed, Transfer
OTHER

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 18, 2023 · Amount on Record
Deed SaleAug 18, 2023 · Amount on Record
Prior SaleJul 29, 2021 · Amount on Record
Deed Document Number2023108937
Deed Book / Page6460 / 649
Record UpdatedJun 8, 2026

August 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 18, 2023
Property Address611 KENTUCKY AVE, SAINT CLOUD, FL 34769-2823
Document Number0064600649
Book / Page6460 / 649
Map ReferenceMB B PG 33&34
Instrument DateAug 15, 2023
Instrument2023108937
Transaction TypeTransfer
Record UpdatedSep 1, 2023
Title CompanyLAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,198.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address611 KENTUCKY AVE, SAINT CLOUD, FL 34769-2823

Transferred To (Grantee/Buyer)

NameVerified Name
Address611 KENTUCKY AVE, SAINT CLOUD, FL 34769-2823

Mortgage

Document Number0006460651
DateAug 18, 2023
Instrument6460/651
Lender
NameGUARANTEED RATE INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2053

Mortgage

Document Number0064600666
DateAug 18, 2023
Book Page6460/666
Instrument2023108939
Lender
NameGUARANTEED RATE INC
TypeMortgage Company
AddressCHICAGO, IL 60613
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded

July 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 29, 2021
Property Address611 KENTUCKY AVE, SAINT CLOUD, FL 34769-2823
Document Number0060122068
Book / Page6012 / 2068
Map ReferenceMB B PG 33&34
Instrument DateJul 16, 2021
Instrument2021118043
Transaction TypeTransfer
Record UpdatedAug 18, 2021
Title CompanyA-Z TEAM TITLE LLC, A Z TEAM TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,746.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2427 RUDDENSTONE WAY, 2427, KISSIMMEE, FL 34744-8479

Transferred To (Grantee/Buyer)

NameVerified Name
Address2820 HORTON RD, KISSIMMEE, FL 34744-5623

Mortgage

Document Number60122071
DateJul 29, 2021
Instrument6012/2071
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2051

April 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 6, 2021
Property Address611 KENTUCKY AVE, SAINT CLOUD, FL 34769-2823
Document Number0059282610
Book / Page5928 / 2610
Map ReferenceMB B PG 33&34
Instrument DateMar 19, 2021
Instrument2021051094
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

AmountAmount Recorded
Tax$840.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1220 NW 13TH ST, 1220, BOCA RATON, FL 33486-2131

Transferred To (Grantee/Buyer)

NameVerified Name
Address3500 SHOREWOOD DR, KISSIMMEE, FL 34746-2844

April 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 17, 2019
Property Address611 KENTUCKY AVE, SAINT CLOUD, FL 34769-2823
Document Number0055082286
Book / Page005508 / 002286
Instrument DateApr 15, 2019
Instrument48465
Transaction TypeTransfer
Record UpdatedMay 1, 2019
Title CompanyOTHER

Transaction

AmountAmount Recorded
Tax$735.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address8009 MIZNER LN BOCA RATON FL 334331123, BOCA RATON, FL 33433-1123

April 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 15, 2019
Property Address611 KENTUCKY AVE, SAINT CLOUD, FL 34769-2823
Document Number0055072019
Book / Page005507 / 002019
Instrument DateApr 15, 2019
Instrument47496
Transaction TypeTransfer
Record UpdatedMay 3, 2019
Title CompanyOTHER

Transaction

AmountAmount Recorded
Tax$665.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address611 KENTUCKY AVE ST CLOUD FL 347692823, ST CLOUD, FL 34769-2823

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,213.00 (+21.06%) Homeowner's exemption$222,400 (+17.35%) Land $55,000 Building $167,400$222,400 (+9.56%) Land $55,000 Building $167,400
2023$2,654.00 (+3.83%) Homeowner's exemption$189,520 (+3%)$203,000 (+10.33%) Land $50,000 Building $153,000
2022$2,556.00 Homeowner's exemption$184,000 Land $45,000 Building $139,000$184,000 Land $45,000 Building $139,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 17 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies17 in force
Nearby Flood Claims1 (1994)
Claims Outside the SFHA1 of 1
Most Recent ClaimNov 1994 · rainfall accumulation

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 RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
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, 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

ProviderMax 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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