Osceola County property record for 1200 Massachusetts Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,119 sqft · built 1925 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $157,500 (Feb 2026) |
| Tax Bill | $1,309 (2025) |
| Deeds & Mortgages | Feb 2026 Sale & Mortgage Jun 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 78352 |
| Primary APN | 78352 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,119 sqft Heated Area |
| Gross Area | 1,559 sqft |
| 1st Floor Area | 1,119 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Aluminum Siding |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Garage Type | Detached - Unfinished |
| Garage Area | 216 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 224 sqft |
| Cooling System | Central |
|---|
| Account Number | 78352 |
|---|---|
| Street Address | 1200 MASSACHUSETTS AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3736 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SHB |
| Legal Description | ST CLOUD PB B PG 34 BLK 218 LOTS 1 & 2 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD HWY CENTRAL |
| Legal Tract | 1 |
| Legal Block | 218 |
| Legal Lot Number | 1-2 2 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2014 |
| 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 March 11, 2026
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 1200 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3736 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 27, 2026 | Warranty Deed, Transfer NATIONAL LOAN FUNDING LLC |
| Jun 28, 2018 | Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 27, 2026 · Amount on Record |
| Deed Sale | Feb 27, 2026 · Amount on Record |
| Prior Sale | Jun 28, 2018 · Amount on Record |
| Deed Document Number | 2026027245 |
| Deed Book / Page | 6929 / 2638 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 27, 2026 |
| Property Address | 1200 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3736 |
| Document Number | 0069292638 |
| Book / Page | 6929 / 2638 |
| Map Reference | MB B PG 33 |
| Instrument Date | Feb 17, 2026 |
| Instrument | 2026027245 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2026 |
| Title Company | MARINA TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,102.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2416 BLACK POWDER LN, KISSIMMEE, FL 34743-3694 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1200 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3736 |
| Document Number | 0069292640 |
|---|---|
| Date | Feb 27, 2026 |
| Instrument | 6929/2640 |
| Name | NATIONAL LOAN FUNDING LLC |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 10 Months |
| Due | Dec 1, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 28, 2018 |
| Property Address | 1200 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3736 |
| Document Number | 0053581614 |
| Book / Page | 5358 / 1614 |
| Map Reference | MB B PG33 |
| Instrument Date | Jun 28, 2018 |
| Instrument | 2018099751 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | FIRST INTERNATIONAL TITLE IN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $840.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 601 PRAIRIE LAKE DR, 601, FERN PARK, FL 32730-2027 |
| Name | Verified Name |
|---|---|
| Address | 1417 N POWERS DR, ORLANDO, FL 32818-5955 |
| Document Number | 2018099752 |
|---|---|
| Date | Jun 28, 2018 |
| Instrument | 2018099752 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2048 |
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 | $1,309.00 (+7.91%) Homeowner's exemption | $116,052 (+5.99%) | $173,100 (+15.32%) Land $86,800 Building $86,300 |
| 2023 | $1,213.00 (+4.93%) Homeowner's exemption | $109,498 (+3%) | $150,100 (+18.56%) Land $65,900 Building $84,200 |
| 2022 | $1,156.00 Homeowner's exemption | $106,309 | $126,600 Land $54,900 Building $71,700 |
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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