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720 Kentucky Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 720 Kentucky Ave, Saint Cloud, FL 34769 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,275 sqft · built 1917
Lot Size0.169 acres (7,405 sqft)
OwnerIndividual Name on File
Last Sale$150,000 (Sep 2021)
Tax Bill$2,266 (2025)
Deeds & MortgagesJul 2022 Mortgage
Sep 2021 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN77193

Property Details

APN / Parcel Number

Primary APN77193
Alternative APN
  • 012630000100740110

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories2 Stories
Building Area1,275 sqft Heated Area
Gross Area1,527 sqft
1st Floor Area897 sqft
Upper Floors Area378 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1917
Effective Year BuiltEffective 1975
Exterior MaterialAluminum Siding
Foundation TypePier/Post & Beam
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,405 sqft (0.169 acres)
Lot Dimensions150 ft deep x 50 ft wide
Garage Area240 sqft
Parking Spaces1 Parking Space
PorchOpen Porch
Porch Area144 sqft

Utilities, Heating & Cooling

Cooling SystemWall Unit

Location & Zoning

Account Number77193
Street Address720 KENTUCKY AVE
CitySAINT CLOUD
StateFL
Zip34769-3311
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionST CLOUD PB B PG 34 BLK 74 LOTS 11 & 12 2/26/30 526/284
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD
Legal Tract1
Legal Block74
Legal Lot Number2,11-12 12
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1020
Census Tract43400

Owner

Source: Osceola County records · APN 77193

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Mailing Address720 KENTUCKY AVE, SAINT CLOUD, FL 34769-3311
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 25, 2022Deed of Trust, Mortgage · Commercial Mortgage
VELOCITY COMMERCIAL CAPITAL LLC
Sep 13, 2021Warranty Deed, Transfer
LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC
Nov 29, 2018Warranty Deed, Transfer
A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW/

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 13, 2021 · Amount on Record
Deed SaleSep 13, 2021 · Amount on Record
Prior SaleNov 29, 2018 · Amount on Record
Deed Document Number2021141759
Deed Book / Page6042 / 444
Record UpdatedJun 08, 2026

July 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address720 KENTUCKY AVE, SAINT CLOUD, FL 34769-3311
Transaction TypeMortgage
Record UpdatedAug 03, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address1751 COVEY CT, KISSIMMEE, FL 34744-4082

Mortgage

Document Number0062562228
DateJul 25, 2022
Book Page6256/2228
Instrument2022113491
Lender
NameVELOCITY COMMERCIAL CAPITAL LLC
TypeNon-Lending Institution
AddressTHOUSAND OAKS, CA 91362
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

September 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 13, 2021
Property Address720 KENTUCKY AVE, SAINT CLOUD, FL 34769-3311
Document Number0060420444
Book / Page6042 / 444
Map ReferenceMB B PG 33&34
Instrument DateSep 10, 2021
Instrument2021141759
Transaction TypeTransfer
Record UpdatedAug 01, 2022
Title CompanyLAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
Tax$1,050.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address121 E 13TH ST, 121, SAINT CLOUD, FL 34769-4749

Transferred To (Grantee/Buyer)

NameVerified Name
Address720 KENTUCKY AVE, SAINT CLOUD, FL 34769-3311

November 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 29, 2018
Property Address720 KENTUCKY AVE, SAINT CLOUD, FL 34769-3311
Document Number0054391941
Book / Page005439 / 001941
Instrument DateNov 21, 2018
Instrument174454
Transaction TypeTransfer
Record UpdatedDec 18, 2018
Title CompanyA CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW/

Transaction

AmountAmount Recorded
Tax$1,505.00
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address121 E 13TH ST ST CLOUD FL 347694749, ST CLOUD, FL 34769-4749

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$2,266.00 (+6.89%) Homeowner's exemption$169,473 (+5.99%)$180,900 (+13.13%) Land $46,800 Building $134,100
2023$2,120.00 (-12.54%) Homeowner's exemption$159,900 (+19.06%) Land $42,500 Building $117,400$159,900 (+19.06%) Land $42,500 Building $117,400
2022$2,424.00$134,300 Land $35,100 Building $99,200$134,300 Land $35,100 Building $99,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970434001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 12 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies12 in force
9 of 12 on primary residences

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

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