Osceola County property record for 11 Massachusetts Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,948 sqft · built 1964 |
| Lot Size | 0.344 acres (14,984 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $107,500 (Jul 2017) |
| Tax Bill | $1,931 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Jul 2017 Sale + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 01-26-30-0650-0001-0615 |
| Primary APN | 01-26-30-0650-0001-0615 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,948 sqft Living Area |
| Gross Area | 3,673 sqft |
| 1st Floor Area | 1,810 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,984 sqft (0.344 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Garage Type | Detached |
| Garage Area | 336 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 758 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 11 MASSACHUSETTS AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2358 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | ST CLOUD BLVD LOTS PB B PG 061 S 100 FT OF N 200 FT LOT 62 & S 100 FT OF N 200 FT OF W 1/2 LOT 61 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | LAKE FRONT ADD TO TOWN OF ST CLOUD |
| Legal Tract | 650 |
| Legal Block | 615 |
| Legal Lot Number | 62 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 43500 |
Source: Osceola County records, as of November 26, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 11 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2358 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC |
| Jul 6, 2017 | Warranty Deed, Transfer STEWART TITLE |
| Jul 6, 2017 | Warranty Deed, Transfer STEWART TITLE COMPANY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 6, 2017 · Amount on Record |
| Deed Sale | Jul 6, 2017 · Amount on Record |
| Prior Sale | Jul 6, 2017 · Amount on Record |
| Deed Document Number | 201798230 |
| Deed Book / Page | 5174 / 2935 |
| Prior Transfer Date | Jun 30, 2017 |
| Prior Transfer Doc | 0051742934 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 11 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2358 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 11 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2358 |
| Document Number | 0060421642 |
|---|---|
| Date | Sep 14, 2021 |
| Book Page | 6042/1642 |
| Instrument | 2021142108 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 6, 2017 |
| Property Address | 11 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2358 |
| Document Number | 0051742934 |
| Book / Page | 005174 / 002934 |
| Instrument Date | Jun 30, 2017 |
| Instrument | 98229 |
| Transaction Type | Transfer |
| Record Updated | Aug 7, 2017 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $752.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11 MASSACHUSETTS AVE ST CLOUD FL 347692358, ST CLOUD, FL 34769-2358 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 6, 2017 |
| Property Address | 11 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2358 |
| Document Number | 0051742935 |
| Book / Page | 5174 / 2935 |
| Map Reference | MB B PG61-64 |
| Instrument Date | Jun 30, 2017 |
| Instrument | 2017098230 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $752.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 140 NESTING TRL, 140, SAINT CLOUD, FL 34769-1915 |
| Name | Verified Name |
|---|---|
| Address | 11 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2358 |
Source: Osceola County assessment roll, as of November 26, 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 | $1,931.00 (+3.93%) Homeowner's exemption Widower's exemption | $155,793 (+5.99%) | $322,100 (+25.82%) Land $75,000 Building $247,100 |
| 2024 | $1,858.00 (+3.34%) | ||
| 2023 | $1,798.00 (-0.28%) Homeowner's exemption Widower's exemption | $146,994 (+3%) | $256,000 (+17.27%) Land $65,000 Building $191,000 |
| 2022 | $1,803.00 Homeowner's exemption Widower's exemption | $142,713 | $218,300 Land $55,000 Building $163,300 |
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 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 17 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 1 (1994) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Nov 1994 · rainfall accumulation |
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 64% of the US · lower than 90% 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.
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 306 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 |
| Verizon Fixed Wireless | 300 / 20 |
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