709 Kentucky Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 709 Kentucky Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,026 sqft · built 1926
Lot Size	0.258 acres (11,238 sqft)
Owner	Company Name on Record
Last Sale	$113,127 (Dec 2024)
Tax Bill	$4,262 (2025)
Deeds & Mortgages	Oct 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0073-0180`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0073-0180`
Alternative APNs	`263001000100730180` `77185`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,026 sqft Living Area
Gross Area	2,584 sqft
1st Floor Area	1,394 sqft
Upper Floors Area	541 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1966
Architectural Style	Conventional
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,238 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Porch	Enclosed/Finished Porch
Porch Area	559 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	709 KENTUCKY AVE
City	SAINT CLOUD
State	FL
Zip	34769-3310
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 73 LOTS 18 THRU 20 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	73
Legal Lot Number	18
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1034
Census Tract	43500

Owner

Source: Osceola County records, as of March 26, 2026

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

Owner of Record	Company Name on Record
Mailing Address	2200 WINTER SPRINGS BLVD, 106, OVIEDO, FL 32765-9359
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2024 · Amount on Record
Deed Sale	Dec 3, 2024 · Amount on Record
Prior Sale	Aug 20, 2009 · Amount on Record
Deed Document Number	2024151882
Deed Book / Page	6703 / 2609
Prior Transfer Date	Feb 23, 2009
Prior Transfer Doc	0038090093
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 10, 2025
Property Address	709 KENTUCKY AVE, SAINT CLOUD, FL 34769-3310
Document Number	0068630482
Book / Page	6863 / 482
Map Reference	MB B PG 33
Instrument Date	Oct 8, 2025
Instrument	2025126139
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	SOUTHERN TITLE, SOUTHERN TTL & ABSTRACT INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	701 W 1ST ST, SANFORD, FL 32771-1121

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2200 WINTER SPRINGS BLVD STE 106, 106, OVIEDO, FL 32765-9359

Mortgage

Document Number	0006863484
Date	Oct 10, 2025
Instrument	6863/484

Lender

Name	AMERICAN HERITAGE LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

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	$4,262.00 (+14.45%)	$237,900 (+2.15%) Land $55,000 Building $182,900	$237,900 (+2.15%) Land $55,000 Building $182,900
2024	$3,724.00 (+9.11%)	$232,900 (+10.64%) Land $55,000 Building $177,900	$232,900 (+10.64%) Land $55,000 Building $177,900
2023	$3,413.00 (+10.81%)	$210,500 (+12.69%) Land $50,000 Building $160,500	$210,500 (+12.69%) Land $50,000 Building $160,500
2022	$3,080.00	$186,800 Land $45,000 Building $141,800	$186,800 Land $45,000 Building $141,800

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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