Osceola County property record for 823 Kentucky Ave, Saint Cloud, FL 34769
| Property Type | Duplex |
|---|---|
| Details | 2 bd · 2 ba · 1,518 sqft · built 1930 |
| Lot Size | 0.258 acres (11,238 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $100 (May 2017) |
| Tax Bill | $3,639 (2025) |
| Deeds & Mortgages | Jun 2020 Sale Jun 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0102-0130 |
| Primary APN | 01-26-30-0001-0102-0130 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Units | 4 Units |
| Stories | 1 Story |
| Building Area | 1,518 sqft Living Area |
| Gross Area | 1,792 sqft |
| 1st Floor Area | 792 sqft |
| Upper Floors Area | 572 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Custom Design |
| Exterior Material | Combination |
| 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 | Florida Room |
|---|---|
| Porch Area | 428 sqft |
| Deck Area | 352 sqft |
| Utility Building | 308 sqft |
| Cooling System | Wall Unit |
|---|
| Street Address | 823 KENTUCKY AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-1302 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | SR3 |
| Legal Description | ST CLOUD PB B PG 34 BLK 102 LOTS 13 THRU 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 | 102 |
| Legal Lot Number | 13 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 43500 |
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 Company Names on Record |
|---|---|
| Mailing Address | 122 E LAKE AVE, LONGWOOD, FL 32750-5441 |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Jun 23, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Jun 7, 2017 | Intrafamily Transfer, Transfer · Conventional Mortgage RP FUNDING INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 2017 · Amount on Record |
| Deed Sale | May 1, 2017 · Amount on Record |
| Prior Sale | Aug 19, 2016 · Amount on Record |
| Deed Book / Page | 5160 / 2207 |
| Last Transfer Date | May 30, 2017 |
| Transfer Doc | 0051602209 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 23, 2020 |
| Property Address | 823 KENTUCKY AVE, SAINT CLOUD, FL 34769-1302 |
| Document Number | 0057420888 |
| Book / Page | 005742 / 000888 |
| Instrument Date | Jun 17, 2020 |
| Instrument | 80696 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
| Address | 122 E LAKE AVE LONGWOOD FL 327505441, LONGWOOD, FL 32750-5441 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 7, 2017 |
| Property Address | 823 KENTUCKY AVE, SAINT CLOUD, FL 34769-1302 |
| Document Number | 0051602207 |
| Book / Page | 5160 / 2207 |
| Map Reference | MB B PG33&34 |
| Instrument Date | May 30, 2017 |
| Instrument | 2017083454 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | ATTORNEY |
| Tax | $0.70 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 710 HAMPTON CT, KISSIMMEE, FL 34744-4904 |
| Document Number | 0051602209 |
|---|---|
| Date | Jun 7, 2017 |
| Book Page | 5160/2209 |
| Instrument | 2017083455 |
| Name | RP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | MAITLAND, FL 32751 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 1, 2037 |
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 | $3,639.00 (+6.62%) | $229,600 (+3.8%) Land $70,000 Building $159,600 | $229,600 (+3.8%) Land $70,000 Building $159,600 |
| 2024 | $3,413.00 (+6.46%) | ||
| 2023 | $3,206.00 (+17.82%) | $221,200 (+33.74%) Land $60,000 Building $161,200 | $221,200 (+33.74%) Land $60,000 Building $161,200 |
| 2022 | $2,721.00 | $165,400 Land $52,000 Building $113,400 | $165,400 Land $52,000 Building $113,400 |
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 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 |
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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