107 Tennessee Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 107 Tennessee Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,330 sqft · built 1973
Lot Size	0.222 acres (9,670 sqft)
Owner	Individual Name on File
Last Sale	$370,000 (Apr 2023)
Tax Bill	$5,609 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`01-26-30-0001-0455-0075`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0455-0075`
Alternative APNs	`263001000104550075` `80505`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,330 sqft Living Area
Gross Area	2,447 sqft
1st Floor Area	2,330 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	L-Shape
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,670 sqft (0.222 acres)
Lot Dimensions	150 ft deep x 62.5 ft wide

Exterior Amenities

Porch	Florida Room
Porch Area	468 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	107 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 TOWN OF ST CLOUD BLK 455 N 50 FT LOT 7 S 12.5 FT LOT 8
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	455
Legal Lot Number	75
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3014
Census Tract	43400

Owner

Source: Osceola County records · APN 01-26-30-0001-0455-0075

Assessment roll updated November 26, 2025 · Last verified April 2026

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

Owner of Record	Individual Name on File
Mailing Address	107 TENNESSEE AVE, SAINT CLOUD, FL 34769-2171
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Widow or Widower

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 24, 2023 · Amount on Record
Deed Sale	Apr 24, 2023 · Amount on Record
Prior Sale	Dec 02, 2009 · Amount on Record
Deed Document Number	202348598
Deed Book / Page	6393 / 461
Prior Transfer Date	Nov 20, 2009
Prior Transfer Doc	0039202971
Record Updated	Jun 08, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 24, 2023
Property Address	107 TENNESSEE AVE, SAINT CLOUD, FL 34769-2171
Document Number	0063930461
Book / Page	6393 / 461
Map Reference	MB B PG 61&62
Instrument Date	Apr 18, 2023
Instrument	2023048598
Transaction Type	Transfer
Record Updated	May 10, 2023
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,590.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1025 CALIFORNIA AVE, SAINT CLOUD, FL 34769-3520

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 TENNESSEE AVE, SAINT CLOUD, FL 34769-2171

Mortgage

Document Number	0006393463
Date	Apr 24, 2023
Instrument	6393/463

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2053

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,609.00 (+3.07%) Homeowner's exemption Widower's exemption	$361,300 (+271.67%) Land $60,000 Building $301,300	$361,300 (+17.31%) Land $60,000 Building $301,300
2024	$5,442.00 (+449.14%)
2023	$991.00 (+5.31%) Homeowner's exemption	$97,211 (+3%)	$308,000 (+20.97%) Land $55,000 Building $253,000
2022	$941.00 Homeowner's exemption	$94,380	$254,600 Land $50,000 Building $204,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: AT&T, Verizon.

Based on FCC filings for 368 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.