Osceola County property record for 1119 Tennessee Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,208 sqft · built 2002 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $183,500 (Apr 2019) |
| Tax Bill | $4 (2025) |
| Deeds & Mortgages | Feb 2020 Mortgage Apr 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 78239 |
| Primary APN | 78239 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,208 sqft Heated Area |
| Gross Area | 1,564 sqft |
| 1st Floor Area | 1,208 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| 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 | 150 ft deep x 50 ft wide |
| Garage Type | Finished |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 48 sqft |
| Patio Area | 150 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 78239 |
|---|---|
| Street Address | 1119 TENNESSEE AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3501 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 33 & 34 BLK 199 LOTS 16 & 17 3/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 199 |
| Legal Lot Number | 3,16-17 17 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 4 |
| Census Block | 4018 |
| Census Tract | 43400 |
1119 Tennessee Ave is owned and occupied by an individual who bought it in April 2019.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1119 TENNESSEE AVE, SAINT CLOUD, FL 34769-3501 |
| 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.
| Date | Document |
|---|---|
| Feb 27, 2020 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 4, 2019 | Warranty Deed, Transfer · VA Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 4, 2019 · Amount on File |
| Deed Sale | Apr 4, 2019 · Amount on File |
| Prior Sale | Oct 4, 2004 · Amount on File |
| Deed Document Number | 2019042390 |
| Deed Book / Page | 5502 / 1538 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1119 TENNESSEE AVE, SAINT CLOUD, FL 34769-3501 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0056812426 |
|---|---|
| Date | Feb 27, 2020 |
| Book Page | 5681/2426 |
| Instrument | 2020028688 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 4, 2019 |
| Property Address | 1119 TENNESSEE AVE, SAINT CLOUD, FL 34769-3501 |
| Document Number | 0055021538 |
| Book / Page | 5502 / 1538 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | Mar 28, 2019 |
| Instrument | 2019042390 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,284.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 400 CAPTAIN THOMAS RD, 400, WELLS, ME 04090-7552 |
| Name | Verified Name |
|---|---|
| Address | 1119 TENNESSEE AVE, SAINT CLOUD, FL 34769-3501 |
| Document Number | 2019042391 |
|---|---|
| Date | Apr 4, 2019 |
| Instrument | 2019042391 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2049 |
The 2025 property tax bill for 1119 Tennessee Ave was $4 with exemptions applied.
Source: Osceola County assessment roll, as of July 1, 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 | $4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $176,836 | $271,800 Land $46,800 Building $225,000 |
| 2023 | $4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $166,848 (+3%) | $242,500 (+18.12%) Land $42,500 Building $200,000 |
| 2022 | $4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $161,989 | $205,300 Land $35,100 Building $170,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1119 Tennessee Ave in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2009.
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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 5 (2009–2022) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
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 risk around 1119 Tennessee Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.7% 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 400 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 |
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