1407 Massachusetts Ave, #A, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1407 Massachusetts Ave, #A, Saint Cloud, FL 34769

Property Summary

Property Type	Multi-Family Dwellings
Details	8 bd · 6 ba · 2,825 sqft · built 1910
Lot Size	0.296 acres (12,893 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Dec 2018)
Tax Bill	$7,398 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Mar 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0277-0200`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0277-0200`
Alternative APNs	`263001000102770200` `78774`

Interior

Bedrooms	8 Beds
Full Baths	6 Baths
Plumbing Fixtures	3 Plumbing Fixtures
Units	6 Units
Stories	2 Stories
Building Area	2,825 sqft Living Area
Gross Area	3,765 sqft
1st Floor Area	1,775 sqft
Upper Floors Area	946 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1985
Architectural Style	Conventional
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	12,893 sqft (0.296 acres)
Lot Dimensions	140 ft deep x 92 ft wide
Garage Type	Attached
Garage Area	589 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	416 sqft
Porch	Florida Room
Porch Area	455 sqft
Deck Area	78 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	HVAC

Location & Zoning

Street Address	1407 MASSACHUSETTS AVE, A
City	SAINT CLOUD
State	FL
Zip	34769-4311
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	SR3
Legal Description	ST CLOUD PB B PG 34 BLK 277 LOTS 20-22 & N 17 FT LOT 19 11-26-30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	277
Legal Lot Number	20
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2032
Census Tract	43500

Owner

Source: Osceola County records, as of September 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
Mailing Address	1222 MYRTLE ST, ORLANDO, FL 32807-3516
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Mar 9, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jul 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Oct 18, 2019	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC
Dec 6, 2018	Warranty Deed, Transfer · FHA Mortgage SECURITY NATIONAL MORTGAGE CO
Nov 7, 2017	Warranty Deed, Transfer ATTORNEY ONLY
Jul 5, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2018 · Amount on Record
Deed Sale	Dec 6, 2018 · Amount on Record
Prior Sale	Nov 7, 2017 · Amount on Record
Deed Document Number	2018179291
Deed Book / Page	5445 / 1065
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Sep 2, 2026
Property Address	1407 MASSACHUSETTS AVE, A, SAINT CLOUD, FL 34769-4311
Document Number	0000115021
Book / Page	7029 / 1889
Instrument Date	Aug 26, 2026
Instrument	2026115021
Transaction Type	Mortgage
Record Updated	Sep 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1222 MYRTLE ST, ORLANDO, FL 32807-3516

Mortgage

Document Number	0000115021,
Date	Sep 2, 2026
Book Page	7029/1889
Instrument	2026115021

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1407 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-4311
Transaction Type	Mortgage
Record Updated	Sep 28, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1407 A MASSACHUSETT, SAINT CLOUD, FL 34769

Mortgage

Document Number	0059062683
Date	Mar 9, 2021
Book Page	5906/2683
Instrument	2021033968

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1407 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-4311
Transaction Type	Mortgage
Record Updated	Sep 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1222 MYRTLE ST, AZALEA PARK, FL 32807-3516
Investor	Possibly a Property Investor

Mortgage

Document Number	0062531813
Date	Jul 19, 2022
Book Page	6253/1813
Instrument	2022110731

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1407 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-4311
Document Number	0056122824
Instrument Date	Oct 18, 2019
Transaction Type	Mortgage
Record Updated	Nov 8, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1407A 1407 B MASSACHUSETTS AVE ST CLOUD FL 34769, ST CLOUD, FL 34769

Mortgage

Document Number	0056122824
Date	Oct 28, 2019
Book Page	005612/002824
Instrument	139131

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 27, 2049

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 6, 2018
Property Address	1407 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-4311
Document Number	0054451065
Book / Page	5445 / 1065
Map Reference	MB B PG33
Instrument Date	Nov 28, 2018
Instrument	2018179291
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	CLASSIC TILE & SOLUTIONS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2822 DEERFIELD ST, 2822, SAINT CLOUD, FL 34771-8847

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1407 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-4311

Mortgage

Document Number	2018179292
Date	Dec 6, 2018
Instrument	2018179292

Lender

Name	SECURITY NATIONAL MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2048

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 7, 2017
Property Address	1407 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-4311
Document Number	0052352913
Book / Page	005235 / 002913
Instrument Date	Nov 6, 2017
Instrument	159306
Transaction Type	Transfer
Record Updated	Nov 29, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,400.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2822 DEERFIELD ST MAGNOLIA SQUARE FL 347718847, MAGNOLIA SQUARE, FL 34771-8847

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 5, 2017
Property Address	1407 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-4311
Document Number	0051732014
Book / Page	005173 / 002014
Instrument Date	Jun 27, 2017
Instrument	97039
Transaction Type	Transfer
Record Updated	Aug 1, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,015.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1085 W MORSE BLVD #220 WINTER PARK FL 327893796, 220, WINTER PARK, FL 32789-3796
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,398.00 (+134.26%)	$412,700 (+90.11%) Land $60,000 Building $352,700	$412,700 (+2.53%) Land $60,000 Building $352,700
2023	$3,158.00 (+3.64%) Homeowner's exemption	$217,085 (+3%)	$402,500 (+33.15%) Land $52,000 Building $350,500
2022	$3,047.00 Homeowner's exemption	$210,763	$302,300 Land $52,000 Building $250,300

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

Flood

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.

Wildfire

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	0.02% annual chance
Exposure	None 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 309 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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