Osceola County property record for 125 Tennessee Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,378 sqft · built 1973 |
| Lot Size | 0.219 acres (9,583 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $130,000 (Feb 2004) |
| Tax Bill | $735 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 80502 |
| Primary APN | 80502 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,378 sqft Heated Area |
| Gross Area | 1,959 sqft |
| 1st Floor Area | 1,378 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.219 acres) |
| Lot Dimensions | 150 ft deep x 62.5 ft wide |
| Garage Type | Finished |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 245 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 80502 |
|---|---|
| Street Address | 125 TENNESSEE AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2171 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | LAKEFRONT ADDN PB B PG 61-B & 62 BLK 455 N 37.5 FT LOT 5 & S 25 FT LOT 6 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND AND 3RD STREETS |
| Legal Tract | 1 |
| Legal Block | 455 |
| Legal Lot Number | 5-6 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 43400 |
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 | Owner Name on Record |
|---|---|
| Mailing Address | 125 TENNESSEE AVE, SAINT CLOUD, FL 34769-2171 |
| Occupancy | Owner Occupied |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 11, 2004 · Amount on Record |
| Deed Sale | Feb 11, 2004 · Amount on Record |
| Prior Sale | Nov 10, 2003 · Amount on Record |
| Deed Document Number | 0244101549 |
| Deed Book / Page | 02441 / 01549 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 125 TENNESSEE AVE, SAINT CLOUD, FL 34769-2171 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2022 |
| Name | Verified Name |
|---|---|
| Address | 125 TENNESSEE AVE, SAINT CLOUD, FL 34769-2171 |
| Document Number | 0061922051 |
|---|---|
| Date | Apr 12, 2022 |
| Book Page | 6192/2051 |
| Instrument | 2022058249 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
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 | $735.00 (+10.03%) Homeowner's exemption | $83,986 (+5.99%) | $241,800 (+13.73%) Land $60,000 Building $181,800 |
| 2023 | $668.00 (+6.54%) Homeowner's exemption | $79,243 (+3%) | $212,600 (+13.99%) Land $55,000 Building $157,600 |
| 2022 | $627.00 Homeowner's exemption | $76,935 | $186,500 Land $50,000 Building $136,500 |
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 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 Record 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.
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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