Osceola County property record for 906 Kentucky Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,292 sqft · built 1958 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $160,100 (Jun 2017) |
| Tax Bill | $2,395 (2025) |
| Deeds & Mortgages | Feb 2017 Mortgage Jun 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 77673 |
| Primary APN | 77673 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,292 sqft Heated Area |
| Gross Area | 2,705 sqft |
| 1st Floor Area | 1,292 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1968 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,148 sqft (0.21 acres) |
| Lot Dimensions | 150 ft deep x 60 ft wide |
| Porch | Open Porch |
|---|---|
| Porch Area | 466 sqft |
| Deck Area | 346 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 48 sqft |
| Utility Building | 875 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 77673 |
|---|---|
| Street Address | 906 KENTUCKY AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3315 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SCB2 |
| Legal Description | ST CLOUD PB B PG 53 BLK 132 THAT PART OF ABANDONED RR R/W ABUTTING E 1/2 BLK 132 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 132 |
| Legal Lot Number | 11 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 43400 |
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.
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 | 2 Individual Names on File |
|---|---|
| Co-owner | 2 Verified Secondary Owners |
| Mailing Address | 906 KENTUCKY AVE, SAINT CLOUD, FL 34769-3315 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 23, 2017 | Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST MORTGAGE INC |
| Jun 16, 2017 | Warranty Deed, Transfer · Conventional with PMI AMERICA'S MONEY SOURCE INC |
| Deed Names | 4 Verified Names on Deed |
|---|---|
| Last Sale | Jun 16, 2017 · Amount on Record |
| Deed Sale | Jun 16, 2017 · Amount on Record |
| Prior Sale | Jun 16, 2017 · Amount on Record |
| Deed Document Number | 0051642175 |
| Deed Book / Page | 005164 / 002175 |
| Last Transfer Date | Oct 14, 2024 |
| Transfer Doc | 0066771868 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 906 KENTUCKY AVE, SAINT CLOUD, FL 34769-3315 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | HOMETOWN TITLE GROUP INC |
| Name | Verified Name |
|---|
| Document Number | 0051062848 |
|---|---|
| Date | Feb 23, 2017 |
| Book Page | 5106/2848 |
| Instrument | 2017029521 |
| Name | SUNTRUST MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 16, 2017 |
| Property Address | 906 KENTUCKY AVE, SAINT CLOUD, FL 34769-3315 |
| Document Number | 0051642175 |
| Book / Page | 005164 / 002175 |
| Instrument Date | May 22, 2017 |
| Instrument | 87389 |
| Transaction Type | Transfer |
| Record Updated | Jul 17, 2017 |
| Title Company | PRINCIPAL TITLE SERVICES LLC, PRINCIPAL TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,120.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 906 KENTUCKY AVE ST CLOUD FL 347693315, ST CLOUD, FL 34769-3315 |
| Document Number | 51642177 |
|---|---|
| Date | Jun 16, 2017 |
| Book Page | 005164/002177 |
| Instrument | 87390 |
| Name | AMERICA'S MONEY SOURCE INC |
|---|---|
| Address | ORLANDO, FL 32806 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 15, 2047 |
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 | $2,395.00 (+6.78%) Homeowner's exemption | $176,703 (+5.99%) | $301,500 (+13.47%) Land $46,800 Building $254,700 |
| 2023 | $2,243.00 (+3.99%) Homeowner's exemption | $166,723 (+3%) | $265,700 (+17.05%) Land $42,500 Building $223,200 |
| 2022 | $2,157.00 Homeowner's exemption | $161,867 | $227,000 Land $38,200 Building $188,800 |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures