621 Kentucky Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 621 Kentucky Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,242 sqft · built 1957
Lot Size	0.215 acres (9,365 sqft)
Owner	2 Individual Names on File
Last Sale	$334,900 (Nov 2024)
Tax Bill	$3,836 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0044-0130`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0044-0130`
Alternative APNs	`263001000100440130` `76902`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,242 sqft Living Area
Gross Area	1,613 sqft
1st Floor Area	1,050 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,365 sqft (0.215 acres)
Lot Dimensions	150 ft deep x 62.5 ft wide
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Florida Room
Porch Area	227 sqft
Patio Area	432 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	621 KENTUCKY AVE
City	SAINT CLOUD
State	FL
Zip	34769-2823
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 44 LOTS 13, 14 & S 12.5 FT LOT 15 2/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	44
Legal Lot Number	13
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1025
Census Tract	43500

Owner

621 Kentucky Ave is owned and occupied by two individuals who bought it in November 2024.

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 Record	2 Individual Names on File
Mailing Address	621 KENTUCKY AVE, SAINT CLOUD, FL 34769-2823
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2024 · Amount on File
Deed Sale	Nov 8, 2024 · Amount on File
Prior Sale	Dec 8, 2020 · Amount on File
Deed Document Number	2024142083
Deed Book / Page	6692 / 2404
Prior Transfer Date	Oct 10, 2022
Prior Transfer Doc	0066801713
Record Updated	Sep 20, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 8, 2020
Property Address	621 KENTUCKY AVE, SAINT CLOUD, FL 34769-2823
Document Number	0058471166
Book / Page	5847 / 1166
Map Reference	MB B PG 33&34
Instrument Date	Dec 4, 2020
Instrument	2020166617
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,435.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2985 CHEROKEE RD, 2985, SAINT CLOUD, FL 34772-7435

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	621 KENTUCKY AVE, SAINT CLOUD, FL 34769-2823

Mortgage

Document Number	0058471167
Date	Dec 8, 2020
Instrument	5847/1167

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 621 Kentucky Ave was $3,836, up 56.3% from the year before.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,836.00 (+56.25%)	$257,200 Land $55,000 Building $202,200	$257,200 Land $55,000 Building $202,200
2024	$2,455.00 (+2.89%)
2023	$2,386.00 (+3.92%) Homeowner's exemption	$174,624 (+3%)	$230,100 (+15.74%) Land $50,000 Building $180,100
2022	$2,296.00 Homeowner's exemption	$169,538	$198,800 Land $45,000 Building $153,800

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

Flood

FEMA maps place 621 Kentucky Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1994.

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 17 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	1 (1994)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 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

Wildfire risk around 621 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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