Osceola County property record for 1118 Massachusetts Ave, Saint Cloud, FL 34769
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 7 ba · 2,354 sqft · built 1925 |
| Lot Size | 0.161 acres (7,013 sqft) |
| Owner | Company Name on Record |
| Last Sale | $240,000 (Aug 2018) |
| Tax Bill | $4,481 (2025) |
| Deeds & Mortgages | Dec 2019 Mortgage Aug 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0189-0090 |
| Primary APN | 01-26-30-0001-0189-0090 |
|---|---|
| Alternative APNs |
|
| Full Baths | 7 Baths |
|---|---|
| Units | 7 Units |
| Stories | 2 Stories |
| Building Area | 2,354 sqft Living Area |
| Gross Area | 2,750 sqft |
| 1st Floor Area | 1,254 sqft |
| Upper Floors Area | 1,100 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Custom Design |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Flat |
| Roof Material | Built-Up Asphalt |
| Lot Area | 7,013 sqft (0.161 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Porch | Florida Room |
| Porch Area | 396 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 1118 MASSACHUSETTS AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3775 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Local Zoning Code | SCB2 |
| Legal Description | ST CLOUD PB B PG 34 BLK 189 LOTS 9 & 10 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 189 |
| Legal Lot Number | 9 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 43500 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the St. Cloud Downtown Historic District listed 2023 · 177 contributing resources · NRIS 100009031 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Osceola County records, as of April 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 390 N ORANGE AVE, 2300, ORLANDO, FL 32801-1684 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
| Date | Document |
|---|---|
| Dec 2, 2019 | Deed of Trust, Mortgage · Commercial Mortgage ALC LENDING LLC |
| Aug 13, 2018 | Warranty Deed, Transfer · Conventional Mortgage HIS CAPITAL SOURCE FLORIDA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 13, 2018 · Amount on Record |
| Deed Sale | Aug 13, 2018 · Amount on Record |
| Prior Sale | Jul 27, 2005 · Amount on Record |
| Deed Document Number | 2018122651 |
| Deed Book / Page | 5383 / 1019 |
| Prior Transfer Date | Dec 9, 1996 |
| Prior Transfer Doc | 1372002743 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1118 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3775 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0056312307 |
|---|---|
| Date | Dec 2, 2019 |
| Book Page | 5631/2307 |
| Instrument | 2019154975 |
| Name | ALC LENDING LLC |
|---|---|
| Address | MIAMI, FL 33131 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 13, 2018 |
| Property Address | 1118 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3775 |
| Document Number | 0053831019 |
| Book / Page | 005383 / 001019 |
| Instrument Date | Aug 10, 2018 |
| Instrument | 122651 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2018 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,680.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 390 N ORANGE AVE #2300 ORLANDO FL 328011684, 2300, ORLANDO, FL 32801-1684 |
| Investor | Possibly a Property Investor |
| Document Number | 53831021 |
|---|---|
| Date | Aug 13, 2018 |
| Book Page | 005383/001021 |
| Instrument | 122652 |
| Name | HIS CAPITAL SOURCE FLORIDA |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32801 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 24 Months |
| Due | Aug 12, 2020 |
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 | $4,481.00 (+7.46%) | $274,200 (+4.22%) Land $66,600 Building $207,600 | $274,200 (+4.22%) Land $66,600 Building $207,600 |
| 2024 | $4,170.00 (+6%) | ||
| 2023 | $3,934.00 (+18.03%) | $263,100 (+35.27%) Land $55,500 Building $207,600 | $263,100 (+35.27%) Land $55,500 Building $207,600 |
| 2022 | $3,333.00 | $194,500 Land $46,300 Building $148,200 | $194,500 Land $46,300 Building $148,200 |
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 X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 12 in force |
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 94% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 526 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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