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902 Kentucky Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 902 Kentucky Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,078 sqft · built 1951
Lot Size0.16 acres (6,970 sqft)
OwnerCompany Name on Record
Last Sale$182,000 (Aug 2018)
Tax Bill$4,398 (2025)
Deeds & MortgagesNov 2018 Sale
Aug 2018 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN77669

Property Details

APN / Parcel Number

Primary APN77669
Alternative APN
  • 012630000101320010

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,078 sqft Heated Area
Gross Area1,144 sqft
1st Floor Area1,078 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1951
Effective Year BuiltEffective 2002
Exterior MaterialAluminum Siding
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,970 sqft (0.16 acres)
Lot Dimensions140 ft deep x 49 ft wide

Exterior Amenities

PorchOpen Porch
Porch Area66 sqft
Patio Area80 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number77669
Street Address902 KENTUCKY AVE
CitySAINT CLOUD
StateFL
Zip34769-3315
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR3
Legal DescriptionST CLOUD PB B PG 53 BLK 132 LOT 1 2/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD
Legal Tract1
Legal Block132
Legal Lot Number1-2
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1026
Census Tract43400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin 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.

Owner

Source: Osceola County records, as of December 11, 2025

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

Owner of RecordCompany Name on Record
Mailing AddressPO BOX 700984, SAINT CLOUD, FL 34770-0984
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Nov 20, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY
Aug 14, 2018Warranty Deed, Transfer
QUALITY TITLE AND ESCROW LLC
Nov 2, 2017Warranty Deed, Transfer
SUN DOLLAR SERVICING LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 14, 2018 · Amount on Record
Deed SaleAug 14, 2018 · Amount on Record
Prior SaleNov 2, 2017 · Amount on Record
Deed Document Number0053840896
Deed Book / Page005384 / 000896
Last Transfer DateNov 20, 2018
Transfer Doc0054360155
Record UpdatedJun 8, 2026

November 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateNov 20, 2018
Property Address902 KENTUCKY AVE, SAINT CLOUD, FL 34769-3315
Document Number0054360155
Book / Page005436 / 000155
Instrument DateNov 19, 2018
Instrument170898
Transaction TypeTransfer
Record UpdatedDec 7, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
AddressPO BOX 700984 ST CLOUD FL 34711, ST CLOUD, FL 34711

August 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 14, 2018
Property Address902 KENTUCKY AVE, SAINT CLOUD, FL 34769-3315
Document Number0053840896
Book / Page005384 / 000896
Instrument DateAug 8, 2018
Instrument123696
Transaction TypeTransfer
Record UpdatedAug 30, 2018
Title CompanyQUALITY TITLE AND ESCROW LLC

Transaction

AmountAmount Recorded
Tax$1,274.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address62 RUE FRANCOIS SARTEEL DR 506 FL, FL

November 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 2, 2017
Property Address902 KENTUCKY AVE, SAINT CLOUD, FL 34769-3315
Document Number0052332983
Book / Page005233 / 002983
Instrument DateOct 13, 2017
Instrument157340
Transaction TypeTransfer
Record UpdatedNov 28, 2017
Title CompanyYOUR TITLE CONNECTION LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$486.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCorporate Trust
Address924 W COLONIAL DR ORLANDO FL 328047314, ORLANDO, FL 32804-7314

Mortgage

Document Number52332985
DateNov 2, 2017
Book Page005233/002985
Instrument157341
Lender
NameSUN DOLLAR SERVICING LLC
Address2400 TOPPING PL, EUSTIS, FL 32726-7666
Agreement
AmountAmount Recorded

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,398.00 (+17.53%)$270,200 (+13.62%) Land $46,800 Building $223,400$270,200 (+13.62%) Land $46,800 Building $223,400
2023$3,742.00 (+10.03%)$237,800 (+10.35%) Land $34,000 Building $203,800$237,800 (+10.35%) Land $34,000 Building $203,800
2022$3,401.00$215,500 Land $30,600 Building $184,900$215,500 Land $30,600 Building $184,900

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 12 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies12 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 526 locations within half a mile, as of December 31, 2025

ProviderMax 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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