Osceola County property record for 1205 Massachusetts Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,652 sqft · built 1910 |
| Lot Size | 0.241 acres (10,497 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $176,500 (Dec 2018) |
| Tax Bill | $2,705 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Dec 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0219-0200 |
| Primary APN | 01-26-30-0001-0219-0200 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,652 sqft Living Area |
| Gross Area | 2,233 sqft |
| 1st Floor Area | 1,052 sqft |
| Upper Floors Area | 600 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 10,497 sqft (0.241 acres) |
| Lot Dimensions | 140 ft deep x 75 ft wide |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 360 sqft |
| Porch | Florida Room |
| Porch Area | 581 sqft |
| Deck Area | 627 sqft |
| Patio Area | 1,644 sqft |
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Utility Building | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 1205 MASSACHUSETTS AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3735 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SHB |
| Legal Description | ST CLOUD PB B PG 34 BLK 219 LOTS 20-22 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 | 219 |
| Legal Lot Number | 20 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2015 |
| 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 December 16, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1205 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3735 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Jan 13, 2022 | Deed of Trust, Mortgage · Conventional Mortgage INNOVATIVE MORTGAGE SERVICES |
| Dec 5, 2025 | Intrafamily Transfer, Transfer · Conventional Mortgage CAKE MORTGAGE CORP |
| Dec 3, 2018 | Warranty Deed, Transfer · Conventional Mortgage GOLDEN EMPIRE MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 3, 2018 · Amount on Record |
| Deed Sale | Dec 3, 2018 · Amount on Record |
| Prior Sale | Aug 15, 1996 · Amount on Record |
| Deed Document Number | 2018176106 |
| Deed Book / Page | 5441 / 1226 |
| Last Transfer Date | Nov 18, 2025 |
| Transfer Doc | 0068892214 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1205 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3735 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1205 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3735 |
| Document Number | 0061281504 |
|---|---|
| Date | Jan 13, 2022 |
| Book Page | 6128/1504 |
| Instrument | 2022007067 |
| Name | INNOVATIVE MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Address | LUTZ, FL 33558 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 5, 2025 |
| Property Address | 1205 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3735 |
| Document Number | 0068892214 |
| Book / Page | 6889 / 2214 |
| Map Reference | MB B PG 33 |
| Instrument Date | Nov 18, 2025 |
| Instrument | 2025149314 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1205 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3735 |
| Name | Verified Name |
|---|---|
| Address | 1205 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3735 |
| Document Number | 0068892217 |
|---|---|
| Date | Dec 5, 2025 |
| Instrument | 6889/2217 |
| Name | CAKE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 3, 2018 |
| Property Address | 1205 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3735 |
| Document Number | 0054411226 |
| Book / Page | 5441 / 1226 |
| Map Reference | MB B PG33 |
| Instrument Date | Nov 9, 2018 |
| Instrument | 2018176106 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | FIRST INTL TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,235.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 601 PRAIRIE LAKE DR, 601, FERN PARK, FL 32730-2027 |
| Name | Verified Name |
|---|---|
| Address | 2314 AVELLINO AVE, SAINT CLOUD, FL 34771-8002 |
| Document Number | 2018176107 |
|---|---|
| Date | Dec 3, 2018 |
| Instrument | 2018176107 |
| Name | GOLDEN EMPIRE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2048 |
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 | $2,705.00 (+3.6%) Homeowner's exemption | $194,048 (+5.99%) | $275,600 (+15.85%) Land $129,900 Building $145,700 |
| 2024 | $2,611.00 (+2.88%) | ||
| 2023 | $2,538.00 (+3.85%) Homeowner's exemption | $183,088 (+3%) | $237,900 (+17.54%) Land $98,600 Building $139,300 |
| 2022 | $2,444.00 Homeowner's exemption | $177,756 | $202,400 Land $82,200 Building $120,200 |
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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