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1210 Massachusetts Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1210 Massachusetts Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,274 sqft · built 1925
Lot Size0.16 acres (6,970 sqft)
OwnerIndividual Name on File
Last Sale$200,000 (Mar 2020)
Tax Bill$2,261 (2025)
Deeds & MortgagesMar 2020 Sale & Mortgage
May 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN78354

Property Details

APN / Parcel Number

Primary APN78354
Alternative APN
  • 012630000102180050

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,274 sqft Heated Area
Gross Area2,210 sqft
1st Floor Area1,274 sqft
Upper Floors Area240 sqft
Interior WallsPlaster
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1925
Effective Year BuiltEffective 2000
Exterior MaterialAluminum Siding
Foundation TypePier/Post & Beam
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,970 sqft (0.16 acres)
Lot Dimensions140 ft deep x 50 ft wide
Garage TypeMixed
Garage Area460 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

PorchPorch
Porch Area236 sqft
Patio Area360 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number78354
Street Address1210 MASSACHUSETTS AVE
CitySAINT CLOUD
StateFL
Zip34769-3736
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSHB
Legal DescriptionST CLOUD PB B PG 34 BLK 218 LOTS 5 & 6 2/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD HWY CENTRAL
Legal Tract1
Legal Block218
Legal Lot Number2,5-6 6
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2014
Census Tract43500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin 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.

Owner

1210 Massachusetts Ave is owned and occupied by an individual who bought it in March 2020.

Source: Osceola County records, as of December 11, 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 RecordIndividual Name on File
Mailing Address1210 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3736
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 3, 2020Warranty Deed, Transfer · Conventional Mortgage
SUMMIT MORTGAGE CORP
May 2, 2017Warranty Deed, Transfer · Conventional Mortgage
FBC MORTGAGE LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 3, 2020 · Amount on File
Deed SaleMar 3, 2020 · Amount on File
Prior SaleMay 2, 2017 · Amount on File
Deed Document Number2020030536
Deed Book / Page5684 / 1625
Record UpdatedJun 8, 2026

March 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 3, 2020
Property Address1210 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3736
Document Number0056841625
Book / Page5684 / 1625
Map ReferenceMB B PG 33
Instrument DateFeb 20, 2020
Instrument2020030536
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyNEW HOME TITLE LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,400.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address244 SHAVER AVE, 244, SYRACUSE, NY 13212-1320

Transferred To (Grantee/Buyer)

NameVerified Name
Address1210 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3736

Mortgage

Document Number0056841627
DateMar 3, 2020
Instrument5684/1627
Lender
NameSUMMIT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueMar 1, 2050

May 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 2, 2017
Property Address1210 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3736
Document Number0051410635
Book / Page5141 / 0635
Map ReferenceMB B PG33&34
Instrument DateMay 1, 2017
Instrument2017064709
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyLAWYERS ADVANTAGE TITLE GROU

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,074.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1359 SHIPWRECK LN, 1359, SAINT CLOUD, FL 34771-7435

Transferred To (Grantee/Buyer)

NameVerified Name
Address818 ORIENTA AVE APT E, E, ALTAMONTE SPRINGS, FL 32701-5681

Mortgage

Document Number0051410636
DateMay 2, 2017
Instrument5141/0636
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueMay 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1210 Massachusetts Ave was $2,261 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,261.00 Homeowner's exemption$169,244$223,300 Land $86,200 Building $137,100
2023$2,116.00 (+4.03%) Homeowner's exemption$159,685 (+3%)$199,900 (+17.59%) Land $65,500 Building $134,400
2022$2,034.00 Homeowner's exemption$155,034$170,000 Land $54,600 Building $115,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1210 Massachusetts Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 12 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies12 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.

Wildfire

Wildfire risk around 1210 Massachusetts 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 RiskLow
lower than 94% of the US · lower than 95% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 526 locations within half a mile, as of December 31, 2025

ProviderMax 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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