Osceola County property record for 815 Kentucky Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,224 sqft · built 1949 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on File |
| Last Sale | $345,000 (Aug 2025) |
| Tax Bill | $1,651 (2025) |
| Deeds & Mortgages | Aug 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 77447 |
| Primary APN | 77447 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,224 sqft Heated Area |
| Gross Area | 2,124 sqft |
| 1st Floor Area | 960 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Aluminum Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Garage Type | Detached - Finished |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 336 sqft |
|---|---|
| Porch | Enclosed Porch |
| Porch Area | 444 sqft |
| Deck Area | 176 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 384 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 77447 |
|---|---|
| Street Address | 815 KENTUCKY AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3312 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR3 |
| Legal Description | ST CLOUD PB B PG 34 BLK 102 LOTS 18-20 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 102 |
| Legal Lot Number | 18 19 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 43500 |
Source: Osceola County assessment roll, as of July 1, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 815 KENTUCKY AVE, SAINT CLOUD, FL 34769-3312 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 8, 2025 · Amount on Record |
| Deed Sale | Aug 8, 2025 · Amount on Record |
| Prior Sale | Sep 22, 2016 · Amount on Record |
| Deed Document Number | 2025099102 |
| Deed Book / Page | 6832 / 335 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 8, 2025 |
| Property Address | 815 KENTUCKY AVE, SAINT CLOUD, FL 34769-3312 |
| Document Number | 0068320335 |
| Book / Page | 6832 / 335 |
| Map Reference | MB B PG 33 |
| Instrument Date | Aug 5, 2025 |
| Instrument | 2025099102 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2026 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY MT, FIRST AMER TITLE INS COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,415.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12235 S LAKE MARY JANE RD, ORLANDO, FL 32832-6424 |
| Name | Verified Name |
|---|---|
| Address | 815 KENTUCKY AVE, SAINT CLOUD, FL 34769-3312 |
| Document Number | 0006832337 |
|---|---|
| Date | Aug 8, 2025 |
| Instrument | 6832/337 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Sep 1, 2045 |
Source: Osceola County assessment roll, as of July 1, 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 | $1,651.00 (+7.77%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $140,154 (+5.99%) | $279,500 (+13.57%) Land $55,000 Building $224,500 |
| 2023 | $1,532.00 (+4.64%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $132,238 (+3%) | $246,100 (+15.98%) Land $50,000 Building $196,100 |
| 2022 | $1,464.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $128,387 | $212,200 Land $45,000 Building $167,200 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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.
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 |
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) |
|---|---|
| Lumen Technologies 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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