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Single Family ResidenceResidential
$345,545$177 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

1940 KETTLE CREEK DR

SAINT CLOUD, FL 34769
4
Beds
2
Baths
1,956 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.13 ac
Lot SizeThe size of the land the home sits on, from county records.
2013
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$346K
$329K low$362K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,689 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$181,452 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$176,339
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$316,500

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.54
33
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
36
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
98
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
74
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
32
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.6 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyOsceola
Lot (acres)The size of the land the home sits on, from county records.0.13
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Footing
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Package
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Finished
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 272 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Neptune Elementary SchoolC-
Elementary · Grades KG–5 · 0.5 mi
M
Neptune Middle SchoolB+
Middle · Grades 6–8 · 1.4 mi
H
Saint Cloud High SchoolC-
High · Grades 9–12 · 2.7 mi

District: Osceola County School District

Neighborhood · ZIP 34769These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.107
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.150
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.24

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.28,746
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.3,160 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$59,606
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$73,979
Average tempThe average temperature here across a full year.72°F
Annual precipHow much rain and melted snow falls here in a typical year.50 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.64%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

1940 Kettle Creek Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 72% of homes in Saint Cloud 34769
  • Costs less per square foot than 78% of homes in Saint Cloud 34769
  • Bigger than 83% of homes in Saint Cloud 34769
  • Has a smaller lot than 75% of homes in Saint Cloud 34769
  • Newer than 84% of homes in Saint Cloud 34769

What homes are worth in Saint Cloud 34769

Each bar is how many homes fall in that price range. The marker is this home.

This home
$144K$515K

This home is worth more than 72% of homes in Saint Cloud 34769.

How it measures up in Saint Cloud 34769

The dot is this home. The mark in the middle is the typical home in Saint Cloud 34769.

Estimated value$345,545
CheaperTypical $303,871Pricier

Pricier than 72% of homes nearby

Price per ft²$177
CheaperTypical $211Pricier

Pricier than 22% of homes nearby

Living area1,956 ft²
SmallerTypical 1,440 ft²Bigger

Bigger than 83% of homes nearby

Lot size0.13 ac
SmallerTypical 0.17 acBigger

Bigger than 25% of homes nearby

Year built2013
OlderTypical 1988Newer

Newer than 84% of homes nearby

How 1940 Kettle Creek Dr ranks against every home in each area.
MeasureThis homeSaint Cloud 34769Osceola County
Estimated valuepricier than$345,54572% of homes44% of homes
Price per ft²pricier than$17722% of homes29% of homes
Living areabigger than1,956 ft²83% of homes61% of homes
Lot sizebigger than0.13 ac25% of homes36% of homes
Year builtnewer than201384% of homes67% of homes

About 1940 Kettle Creek Dr

How much is 1940 Kettle Creek Dr, Saint Cloud, FL worth?

The TopHap Estimate for 1940 Kettle Creek Dr, Saint Cloud, FL is $345,545 as of Sep 24, 2026. The likely range is $329,019 to $362,071. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1940 Kettle Creek Dr, Saint Cloud, FL last sell?

1940 Kettle Creek Dr, Saint Cloud, FL last sold on Jun 27, 2014, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 1940 Kettle Creek Dr, Saint Cloud, FL?

1940 Kettle Creek Dr, Saint Cloud, FL has 4 bedrooms, 2 bathrooms, 1,956 square feet of living space and a 0.13-acre lot.

When was 1940 Kettle Creek Dr, Saint Cloud, FL built?

1940 Kettle Creek Dr, Saint Cloud, FL was built in 2013, making it 13 years old. The building has 1 story.

What schools serve 1940 Kettle Creek Dr, Saint Cloud, FL?

1940 Kettle Creek Dr, Saint Cloud, FL is assigned to Neptune Elementary School (elementary), rated C-; Neptune Middle School (middle), rated B+; Saint Cloud High School (high), rated C-. All sit in Osceola County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1940 Kettle Creek Dr, Saint Cloud, FL compare to other homes in Saint Cloud 34769?

Among the 9,490 homes in Saint Cloud 34769, it is worth more than 72% of them ($345,545 against a typical $303,871), its price per square foot is higher than 22% of them ($177 against a typical $211), it is bigger than 83% of them (1,956 ft² against a typical 1,440 ft²), its lot is bigger than 25% of them (0.13 ac against a typical 0.17 ac) and it is newer than 84% of them (2013 against a typical 1988). Measured against all of Osceola County, it is worth more than 44% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 1940 Kettle Creek Dr, Saint Cloud, FL?

The 2025 property tax bill for 1940 Kettle Creek Dr, Saint Cloud, FL was $4,689. The county assessed it at $181,452.

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