Osceola County property record for 812 Kentucky Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,099 sqft · built 1930 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | Company Name on Record |
| Last Sale | $140,000 (Oct 2024) |
| Tax Bill | $2,957 (2025) |
| Deeds & Mortgages | Nov 2024 Construction Loan Oct 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0101-0050 |
| Primary APN | 01-26-30-0001-0101-0050 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,099 sqft Living Area |
| Gross Area | 1,177 sqft |
| 1st Floor Area | 707 sqft |
| Upper Floors Area | 294 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Conventional |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Porch | Florida Room |
| Porch Area | 98 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 812 KENTUCKY AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3313 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 34 BLK 101 LOTS 5 & 6 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 | 101 |
| Legal Lot Number | 5 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 43400 |
Source: Osceola County records, as of November 26, 2025
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 | 1073 BERKELEY DR, KISSIMMEE, FL 34744-8557 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Nov 21, 2024 | Deed of Trust, Mortgage · Construction Mortgage INSULA CAPITAL GROUP LLC |
| Oct 14, 2025 | Quit Claim Deed, Transfer · Conventional Mortgage INVESTOR MORTGAGE FINANCE LLC |
| Mar 2, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 7, 2024 · Amount on Record |
| Deed Sale | Oct 7, 2024 · Amount on Record |
| Prior Sale | Jan 29, 2014 · Amount on Record |
| Deed Document Number | 2024128266 |
| Deed Book / Page | 6676 / 1135 |
| Prior Transfer Date | Feb 28, 2018 |
| Prior Transfer Doc | 0052951311 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 812 KENTUCKY AVE, SAINT CLOUD, FL 34769-3313 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 153 TURPIN LN B, B, KISSIMMEE, FL 34743-4085 |
| Document Number | 0067000363 |
|---|---|
| Date | Nov 21, 2024 |
| Book Page | 6700/363 |
| Instrument | 2024148521 |
| Name | INSULA CAPITAL GROUP LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | SAINT CLOUD, FL 34769 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 14, 2025 |
| Property Address | 812 KENTUCKY AVE, SAINT CLOUD, FL 34769-3313 |
| Document Number | 0068641691 |
| Book / Page | 6864 / 1691 |
| Map Reference | MB B PG 3&34 |
| Instrument Date | Sep 30, 2025 |
| Instrument | 2025127429 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | FIRST INT'L TITLE, FIRST INTL TITLE LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1073 BERKELEY DR, KISSIMMEE, FL 34744-8557 |
| Name | Verified Name |
|---|---|
| Address | 1073 BERKELEY DR, KISSIMMEE, FL 34744-8557 |
| Document Number | 0068641693 |
|---|---|
| Date | Oct 14, 2025 |
| Instrument | 6864/1693 |
| Name | INVESTOR MORTGAGE FINANCE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 2, 2018 |
| Property Address | 812 KENTUCKY AVE, SAINT CLOUD, FL 34769-3313 |
| Document Number | 0052951311 |
| Book / Page | 005295 / 001311 |
| Instrument Date | Feb 28, 2018 |
| Instrument | 36142 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 208 1ST ST ORLANDO FL 328248267, ORLANDO, FL 32824-8267 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,957.00 (+15.33%) | $165,000 (+1.98%) Land $46,800 Building $118,200 | $165,000 (+1.98%) Land $46,800 Building $118,200 |
| 2024 | $2,564.00 (+9.11%) | $161,800 (+10.67%) Land $46,800 Building $115,000 | $161,800 (+10.67%) Land $46,800 Building $115,000 |
| 2023 | $2,350.00 (+11.69%) | $146,200 (+15.39%) Land $42,500 Building $103,700 | $146,200 (+15.39%) Land $42,500 Building $103,700 |
| 2022 | $2,104.00 | $126,700 Land $35,100 Building $91,600 | $126,700 Land $35,100 Building $91,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 12 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 12 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.
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.
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 |
| 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.
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 |
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