Osceola County property record for 118 Tennessee Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,356 sqft · built 1976 |
| Lot Size | 0.207 acres (9,016 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $741 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 01-26-30-0001-0454-0030 |
| Primary APN | 01-26-30-0001-0454-0030 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,356 sqft Living Area |
| Gross Area | 1,704 sqft |
| 1st Floor Area | 1,164 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,016 sqft (0.207 acres) |
| Lot Dimensions | 150 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Florida Room |
|---|---|
| Porch Area | 480 sqft |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 118 TENNESSEE AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2172 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | LAKE FRONT ADDN PB B PG 61-B & 62 BLK 454 N 60 FT LOT 3 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 454 |
| Legal Lot Number | 3 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 43400 |
118 Tennessee Ave is owned and occupied by two individuals who acquired it in June 2024.
Source: Osceola County records, as of March 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 118 TENNESSEE AVE, SAINT CLOUD, FL 34769-2172 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 12, 2024 |
| Transfer Doc | 0066152455 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 118 TENNESSEE AVE, SAINT CLOUD, FL 34769-2172 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2022 |
| Name | Verified Name |
|---|---|
| Address | 118 TENNESSEE AVE, SAINT CLOUD, FL 34769-2172 |
| Document Number | 0061462535 |
|---|---|
| Date | Feb 9, 2022 |
| Book Page | 6146/2535 |
| Instrument | 2022021761 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Mar 1, 2032 |
The 2025 property tax bill for 118 Tennessee Ave was $741, up 4.8% from the year before.
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 | $741.00 (+4.81%) | $84,323 | $269,400 Land $60,000 Building $209,400 |
| 2024 | $707.00 (+5.05%) | ||
| 2023 | $673.00 (+6.49%) Homeowner's exemption | $79,561 (+3%) | $233,400 (+18.78%) Land $55,000 Building $178,400 |
| 2022 | $632.00 Homeowner's exemption | $77,244 | $196,500 Land $50,000 Building $146,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 118 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 |
|
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 118 Tennessee Ave is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% 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 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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