11 Tennessee Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 11 Tennessee Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,048 sqft · built 1985
Lot Size	0.029 acres (1,263 sqft)
Owner	Individual Name on File
Last Sale	$133,800 (Jul 2018)
Tax Bill	$1,112 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jul 2018 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`03-26-30-0414-0001-2010`

Property Details

APN / Parcel Number

Primary APN	`03-26-30-0414-0001-2010`
Alternative APNs	`263003041400012010` `81611`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,048 sqft Living Area
Gross Area	1,248 sqft
1st Floor Area	1,048 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	L-Shape
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,263 sqft (0.029 acres)
Porch	Florida Room
Porch Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	11 TENNESSEE AVE
City	SAINT CLOUD
State	FL
Zip	34769-2103
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	SR3
Legal Description	LAKESHORE VILLAGE PHASE 2 CB 1 PG 252 253 UNIT 201
Legal Range	30E
Legal Township	26S
Legal Section	03
Legal Subdivision	LAKESHORE VLG PH 2 CONDO
Legal Phase	2
Legal Tract	414
Legal Block	2010
Legal Lot Number	201
Legal Unit	201
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3010
Census Tract	43400

Owner

11 Tennessee Ave, a condominium, is owned and occupied by an individual who bought it in July 2018.

Source: Osceola County records, as of November 26, 2025

Owner of Record	Individual Name on File
Mailing Address	11 TENNESSEE AVE, SAINT CLOUD, FL 34769-2103
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Jul 13, 2018	Warranty Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
May 11, 2018	Warranty Deed, Transfer OLIVER TITLE LAW

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2018 · Amount on File
Deed Sale	Jul 13, 2018 · Amount on File
Prior Sale	May 11, 2018 · Amount on File
Deed Document Number	2018108017
Deed Book / Page	5367 / 948
Prior Transfer Date	May 4, 2006
Prior Transfer Doc	0031932897
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	11 TENNESSEE AVE, SAINT CLOUD, FL 34769-2103
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057631117
Date	Jul 28, 2020
Book Page	5763/1117
Instrument	2020098428

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84116

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 13, 2018
Property Address	11 TENNESSEE AVE, SAINT CLOUD, FL 34769-2103
Document Number	0053670948
Book / Page	5367 / 0948
Map Reference	MB1 PG249
Instrument Date	Jul 13, 2018
Instrument	2018108017
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$936.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6900 RANCHERO CT, 6900, SAINT CLOUD, FL 34771-7002

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 TENNESSEE AVE, SAINT CLOUD, FL 34769-2103

Mortgage

Document Number	2018108018
Date	Jul 13, 2018
Instrument	2018108018

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

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

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 11, 2018
Property Address	11 TENNESSEE AVE, SAINT CLOUD, FL 34769-2103
Document Number	0053322585
Book / Page	005332 / 002585
Instrument Date	Mar 30, 2018
Instrument	75527
Transaction Type	Transfer
Record Updated	Jun 18, 2018
Title Company	OLIVER TITLE LAW

Transaction

Amount	Amount on Record
Tax	$595.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6900 RANCHERO CT ST CLOUD FL 347717002, ST CLOUD, FL 34771-7002

Tax Assessment & Valuation

The 2025 property tax bill for 11 Tennessee Ave was $1,112 with a homeowner's exemption, up 4.3% from the year before.

Source: Osceola County assessment roll, as of November 26, 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	$1,112.00 (+4.32%) Homeowner's exemption	$105,233	$135,100 Building $135,100
2024	$1,066.00 (+4%)
2023	$1,025.00 (+5.24%) Homeowner's exemption	$99,290 (+3%)	$136,100 (+25.32%) Building $136,100
2022	$974.00 Homeowner's exemption	$96,399	$108,600 Building $108,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 11 Tennessee Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 11 Tennessee Ave is moderate, ranking above 60% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 60% of the US · lower than 66% of Florida
Wildfire Likelihood	0.09% 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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