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612 Kentucky Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 612 Kentucky Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,020 sqft · built 1919
Lot Size0.248 acres (10,802 sqft)
Owner2 Individual Names on File
Last Sale$185,000 (Aug 2018)
Tax Bill$2,175 (2025)
Deeds & MortgagesAug 2021 Mortgage
Aug 2018 Sale & Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN01-26-30-0001-0043-0050

Property Details

APN / Parcel Number

Primary APN01-26-30-0001-0043-0050
Alternative APNs
  • 263001000100430050
  • 76889

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,020 sqft Living Area
Gross Area1,342 sqft
1st Floor Area1,020 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1919
Effective Year BuiltEffective 1919
Architectural StyleCustom Design
Exterior MaterialStucco
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area10,802 sqft (0.248 acres)
Lot Dimensions144 ft deep x 75 ft wide
Garage TypeDetached
Garage Area252 sqft
PorchPorch
Porch Area298 sqft
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address612 KENTUCKY AVE
CitySAINT CLOUD
StateFL
Zip34769-2824
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR2
Legal DescriptionST CLOUD PB B PG 34 BLK 43 LOTS 5 THRU 7 LESS W 6 FT 2-26-30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND PLAT TOWN OF
Legal Tract1
Legal Block43
Legal Lot Number5
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1019
Census Tract43400

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address612 KENTUCKY AVE, SAINT CLOUD, FL 34769-2824
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 30, 2021Deed of Trust, Mortgage · FHA Mortgage
NATIONSTAR MORTGAGE LLC
Aug 20, 2018Warranty Deed, Transfer · FHA Mortgage
CROSSCOUNTRY MORTGAGE INC
Jan 24, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY
Jan 11, 2017Grant Deed, Transfer
SOUTHEAST PROF TITLE L
Jan 11, 2017Warranty Deed, Transfer
SOUTHEAST PROF TITLE L

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 20, 2018 · Amount on File
Deed SaleAug 20, 2018 · Amount on File
Prior SaleJan 11, 2017 · Amount on File
Deed Document Number2018126609
Deed Book / Page5387 / 2249
Prior Transfer DateDec 2, 2017
Prior Transfer Doc0052741158
Record UpdatedJun 8, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address612 KENTUCKY AVE, SAINT CLOUD, FL 34769-2824
Transaction TypeMortgage
Record UpdatedSep 15, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address612 KENTUCKY AVE, SAINT CLOUD, FL 34769-2824

Mortgage

Document Number0060320934
DateAug 30, 2021
Book Page6032/934
Instrument2021134146
Lender
NameNATIONSTAR MORTGAGE LLC
TypeMortgage Company
AddressCOPPELL, TX 75019
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2051

August 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 20, 2018
Property Address612 KENTUCKY AVE, SAINT CLOUD, FL 34769-2824
Document Number0053872249
Book / Page5387 / 2249
Map ReferenceMB B PG33&34
Instrument DateAug 8, 2018
Instrument2018126609
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyEC TITLE SERVICES INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,295.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6247 S BEND SQ, 6247, ORLANDO, FL 32807-4245

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address612 KENTUCKY AVE, SAINT CLOUD, FL 34769-2824

Mortgage

Document Number2018126610
DateAug 20, 2018
Instrument2018126610
Lender
NameCROSSCOUNTRY MORTGAGE INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2048

January 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateJan 24, 2018
Property Address612 KENTUCKY AVE, SAINT CLOUD, FL 34769-2824
Document Number0052741158
Book / Page005274 / 001158
Instrument DateDec 2, 2017
Instrument12828
Transaction TypeTransfer
Record UpdatedFeb 21, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Common
Address8455 DOVER VIEW LN ORLANDO FL 328297650, ORLANDO, FL 32829-7650

January 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateJan 11, 2017
Property Address612 KENTUCKY AVE, SAINT CLOUD, FL 34769-2824
Document Number0050840984
Book / Page005084 / 000984
Instrument DateDec 30, 2016
Instrument6104
Transaction TypeTransfer
Record UpdatedJan 31, 2017
Title CompanySOUTHEAST PROF TITLE L

Transaction

AmountAmount on Record
Tax$287.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address6247 S BEND SQ ORLANDO FL 328074245, ORLANDO, FL 32807-4245

January 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 11, 2017
Property Address612 KENTUCKY AVE, SAINT CLOUD, FL 34769-2824
Document Number0050840981
Book / Page005084 / 000981
Instrument DateDec 30, 2016
Instrument6103
Transaction TypeTransfer
Record UpdatedJan 30, 2017
Title CompanySOUTHEAST PROF TITLE L

Transaction

AmountAmount on Record
Tax$245.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address5717 BAY SIDE DR ORLANDO FL 328194035, ORLANDO, FL 32819-4035

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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$2,175.00 (-18.66%) Homeowner's exemption Senior Citizen's exemption$175,831 (-11.04%)$294,200 (-7.66%) Land $55,000 Building $239,200
2024$2,674.00 (+3%)
2023$2,596.00 (+4.09%) Homeowner's exemption Senior Citizen's exemption$197,647 (+3%)$318,600 (+10.24%) Land $50,000 Building $268,600
2022$2,494.00 Homeowner's exemption Senior Citizen's exemption$191,891$289,000 Land $45,000 Building $244,000

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 File
median of 12 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies12 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 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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