Osceola County property record for 1206 Massachusetts Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,233 sqft · built 1925 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,981 (2025) |
| Deeds & Mortgages | Mar 2023 Mortgage Jun 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 78353 |
| Primary APN | 78353 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,233 sqft Heated Area |
| Gross Area | 1,845 sqft |
| 1st Floor Area | 1,145 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1945 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Garage Type | Detached - Unfinished |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 280 sqft |
| Patio Area | 288 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 78353 |
|---|---|
| Street Address | 1206 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 3 & 4 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 | 2-4 4 |
| 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 December 11, 2025
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 |
|---|---|
| Mailing Address | 2620 E WASHINGTON DAM RD, WASHINGTON, UT 84780-8116 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 28, 2023 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Jun 19, 2020 | Warranty Deed, Transfer · FHA Mortgage EMBRACE HM LOANS |
| Jan 20, 2017 | Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 8, 2024 |
| Deed Sale | Oct 8, 2024 |
| Prior Sale | Aug 23, 2024 · Amount on Record |
| Deed Document Number | 2024128911 |
| Deed Book / Page | 6677 / 575 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1206 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3736 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1206 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3736 |
| Document Number | 0063770213 |
|---|---|
| Date | Mar 28, 2023 |
| Book Page | 6377/213 |
| Instrument | 2023034554 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 328 Months |
| Due | Jul 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 19, 2020 |
| Property Address | 1206 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3736 |
| Document Number | 0057402328 |
| Book / Page | 005740 / 002328 |
| Instrument Date | Jun 18, 2020 |
| Instrument | 79255 |
| Transaction Type | Transfer |
| Record Updated | Jul 31, 2020 |
| Title Company | ORLANDO TITLE PROFESSIONALS LL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,250.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1206 MASSACHUSETTS AVE ST CLOUD FL 347693736, ST CLOUD, FL 34769-3736 |
| Document Number | 57402330 |
|---|---|
| Date | Jun 19, 2020 |
| Book Page | 005740/002330 |
| Instrument | 79256 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 18, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 20, 2017 |
| Property Address | 1206 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3736 |
| Document Number | 0050890237 |
| Book / Page | 5089 / 0237 |
| Map Reference | MB B PG33&34 |
| Instrument Date | Jan 4, 2017 |
| Instrument | 2017011425 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $826.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2565 LANTANA LN, 2565, TALLAHASSEE, FL 32311-1662 |
| Name | Verified Name |
|---|---|
| Address | 1206 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3736 |
| Document Number | 0050890238 |
|---|---|
| Date | Jan 20, 2017 |
| Instrument | 5089/0238 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2047 |
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 | $3,981.00 (+20.93%) | $222,200 (+12.96%) Land $86,800 Building $135,400 | $222,200 (+12.96%) Land $86,800 Building $135,400 |
| 2023 | $3,292.00 (+12.51%) | $196,700 (+18.28%) Land $65,900 Building $130,800 | $196,700 (+18.28%) Land $65,900 Building $130,800 |
| 2022 | $2,926.00 | $166,300 Land $54,900 Building $111,400 | $166,300 Land $54,900 Building $111,400 |
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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