Osceola County property record for 901 Kentucky Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 828 sqft · built 1955 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on File |
| Last Sale | $265,000 (Dec 2023) |
| Tax Bill | $2,164 (2025) |
| Deeds & Mortgages | Dec 2023 Sale & Mortgage Dec 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 77668 |
| Primary APN | 77668 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 828 sqft Heated Area |
| Gross Area | 898 sqft |
| 1st Floor Area | 828 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Aluminum Siding |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 5,663 sqft (0.13 acres) |
| Lot Dimensions | 140 ft deep x 42 ft wide |
| Garage Area | 324 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 70 sqft |
| Deck Area | 180 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 77668 |
|---|---|
| Street Address | 901 KENTUCKY AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3314 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SCB1 |
| Legal Description | ST CLOUD PB B PG 53 BLK 131 LOT 10 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD DOWNTOWN BUSINESS DISTRICT |
| Legal Tract | 1 |
| Legal Block | 131 |
| Legal Lot Number | 2,10 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 43500 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the St. Cloud Downtown Historic District listed 2023 · 177 contributing resources · NRIS 100009031 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
901 Kentucky Ave is owned and occupied by an individual who bought it in December 2023.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 901 KENTUCKY AVE, SAINT CLOUD, FL 34769-3314 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 12, 2023 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 3, 2020 | Warranty Deed, Transfer NAVY FCU |
| Mar 6, 2017 | Warranty Deed, Transfer OSCEOLA TITLE INSURANCE AGENCY INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 12, 2023 · Amount on File |
| Deed Sale | Dec 12, 2023 · Amount on File |
| Prior Sale | Mar 6, 2017 · Amount on File |
| Deed Document Number | 2023161552 |
| Deed Book / Page | 6517 / 2893 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 12, 2023 |
| Property Address | 901 KENTUCKY AVE, SAINT CLOUD, FL 34769-3314 |
| Document Number | 0065172893 |
| Book / Page | 6517 / 2893 |
| Map Reference | MB B PG 53 |
| Instrument Date | Dec 8, 2023 |
| Instrument | 2023161552 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2024 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,855.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1960 BIG BUCK DR, SAINT CLOUD, FL 34772-8219 |
| Name | Verified Name |
|---|---|
| Address | 901 KENTUCKY AVE, SAINT CLOUD, FL 34769-3314 |
| Document Number | 0065172895 |
|---|---|
| Date | Dec 12, 2023 |
| Instrument | 6517/2895 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Document Number | 0065172916 |
|---|---|
| Date | Dec 12, 2023 |
| Book Page | 6517/2916 |
| Instrument | 2023161554 |
| Name | FLORIDA HOUSING FINANCE CORP |
|---|---|
| Type | Government Agency |
| Address | TALLAHASSEE, FL 32301 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 3, 2020 |
| Property Address | 901 KENTUCKY AVE, SAINT CLOUD, FL 34769-3314 |
| Document Number | 0058432622 |
| Book / Page | 005843 / 002622 |
| Instrument Date | Nov 25, 2020 |
| Instrument | 164078 |
| Transaction Type | Transfer |
| Record Updated | Dec 15, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,260.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 901 KENTUCKY AVE ST CLOUD FL 347693314, ST CLOUD, FL 34769-3314 |
| Document Number | 58432624 |
|---|---|
| Date | Dec 3, 2020 |
| Book Page | 005843/002624 |
| Instrument | 164079 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Dec 2, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 6, 2017 |
| Property Address | 901 KENTUCKY AVE, SAINT CLOUD, FL 34769-3314 |
| Document Number | 0051121517 |
| Book / Page | 005112 / 001517 |
| Instrument Date | Feb 28, 2017 |
| Instrument | 35229 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2017 |
| Title Company | OSCEOLA TITLE INSURANCE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Tax | $1,001.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1811 TAHITI PL KISSIMMEE FL 347412020, KISSIMMEE, FL 34741-2020 |
The 2025 property tax bill for 901 Kentucky Ave was $2,164 with a homeowner's exemption.
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 | $2,164.00 Homeowner's exemption | $163,800 Land $55,000 Building $108,800 | $163,800 Land $55,000 Building $108,800 |
| 2023 | $1,438.00 (+4.58%) Homeowner's exemption | $122,003 (+3%) | $153,100 (+17.86%) Land $45,900 Building $107,200 |
| 2022 | $1,375.00 Homeowner's exemption | $118,450 | $129,900 Land $38,200 Building $91,700 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 901 Kentucky Ave in Zone X, an area of minimal flood risk.
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 File 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.
Wildfire risk around 901 Kentucky Ave is low, with a 0.01% annual chance of 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.
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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