101 Tennessee Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 101 Tennessee Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,464 sqft · built 1973
Lot Size	0.169 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$215,000 (Jul 2018)
Tax Bill	$2,931 (2025)
Deeds & Mortgages	Dec 2025 Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`80506`

Property Details

APN / Parcel Number

Primary APN	`80506`
Alternative APN	`012630000104550080`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,464 sqft Heated Area
Gross Area	1,680 sqft
1st Floor Area	1,464 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1983
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Lot Dimensions	155 ft deep x 47 ft wide
Porch	Finished/Screened Porch
Porch Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	80506
Street Address	101 TENNESSEE AVE
City	SAINT CLOUD
State	FL
Zip	34769-2171
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	LAKEFRONT ADDN PB B PG 61-62 BLK 455 LOT 8 LESS S 12.5 FT
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND AND 3RD STREETS
Legal Tract	1
Legal Block	455
Legal Lot Number	8
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3014
Census Tract	43400

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 Record	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	101 TENNESSEE AVE, SAINT CLOUD, FL 34769-2171
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage FBC MORTGAGE LLC
Jul 18, 2018	Deed of Trust, Mortgage · Conventional Mortgage FBC MORTGAGE LLC
Apr 4, 2018	Warranty Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2018 · Amount on Record
Deed Sale	Jul 17, 2018 · Amount on Record
Deed Document Number	0005369895
Prior Transfer Date	Jan 10, 1997
Prior Transfer Doc	0137301084
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	101 TENNESSEE AVE, SAINT CLOUD, FL 34769-2171
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 TENNESSEE AVE, SAINT CLOUD, FL 34769-2171

Mortgage

Document Number	0068892861
Date	Dec 5, 2025
Book Page	6889/2861
Instrument	2025149522

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	101 TENNESSEE AVE, SAINT CLOUD, FL 34769-2171
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057242637
Date	May 20, 2020
Book Page	5724/2637
Instrument	2020066194

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	101 TENNESSEE AVE, SAINT CLOUD, FL 34769-2171
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053690897
Date	Jul 18, 2018
Book Page	5369/0897
Instrument	2018109747

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 4, 2018
Property Address	101 TENNESSEE AVE, SAINT CLOUD, FL 34769-2171
Document Number	0053111012
Book / Page	005311 / 001012
Instrument Date	Apr 3, 2018
Instrument	52866
Transaction Type	Transfer
Record Updated	Apr 24, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$1,421.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2212 E WILLIAMS FIELD RD #11 GILBERT AZ 852950771, 11, GILBERT, AZ 85295-0771
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,931.00 (+6.47%) Homeowner's exemption	$206,679 (+5.99%)	$318,100 (+13.28%) Land $60,000 Building $258,100
2023	$2,753.00 (+3.81%) Homeowner's exemption	$195,005 (+3%)	$280,800 (+12.82%) Land $55,000 Building $225,800
2022	$2,652.00 Homeowner's exemption	$189,326	$248,900 Land $50,000 Building $198,900

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 Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	61.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 98 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	110 units insured incl. 12 condo units
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	3 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 2 claims Hurricane Frances, Sep 2004 · 3 claims

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 Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 368 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, Verizon.

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