Osceola County property record for 15 Tennessee Ave, Saint Cloud, FL 34769
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,050 sqft · built 1986 |
| Lot Size | 0.03 acres (1,306 sqft) |
| Owner | Individual Name on File |
| Last Sale | $120,000 (Feb 2017) |
| Tax Bill | $2,496 (2025) |
| Deeds & Mortgages | Feb 2017 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 03-26-30-0416-0001-3020 |
| Primary APN | 03-26-30-0416-0001-3020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,050 sqft Living Area |
| Gross Area | 1,310 sqft |
| 1st Floor Area | 1,050 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Custom Design |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 1,306 sqft (0.03 acres) |
| Porch | Florida Room |
| Porch Area | 220 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 15 TENNESSEE AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2103 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | SR3 |
| Legal Description | LAKESHORE VILLAGE PHASE 3 CB 2 PG 13 UNIT 302 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 03 |
| Legal Subdivision | LAKESHORE VLG PH 3 CONDO |
| Legal Phase | 3 |
| Legal Tract | 416 |
| Legal Block | 3020 |
| Legal Lot Number | 302 |
| Legal Unit | 302 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 43400 |
15 Tennessee Ave, a condominium, is owned by an individual who bought it in February 2017.
Source: Osceola County records, as of August 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 16541 DAEZA DR, WINTER GARDEN, FL 34787-9333 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 17, 2017 · Amount on File |
| Deed Sale | Feb 17, 2017 · Amount on File |
| Prior Sale | Oct 20, 2005 · Amount on File |
| Deed Document Number | 201726950 |
| Deed Book / Page | 5104 / 775 |
| Prior Transfer Date | Feb 13, 1997 |
| Prior Transfer Doc | 1382001134 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 17, 2017 |
| Property Address | 15 TENNESSEE AVE, SAINT CLOUD, FL 34769-2103 |
| Document Number | 0051040775 |
| Book / Page | 005104 / 000775 |
| Instrument Date | Feb 15, 2017 |
| Instrument | 26950 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2017 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $840.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 15 TENNESSEE AVE ST CLOUD FL 347692103, ST CLOUD, FL 34769-2103 |
The 2025 property tax bill for 15 Tennessee Ave was $2,496, up 4.4% from the year before.
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 | $2,496.00 (+4.39%) | $139,500 Building $139,500 | $139,500 Building $139,500 |
| 2024 | $2,391.00 (+6.6%) | ||
| 2023 | $2,243.00 (+14.73%) | $140,400 (+25.25%) Building $140,400 | $140,400 (+25.25%) Building $140,400 |
| 2022 | $1,955.00 | $112,100 Building $112,100 | $112,100 Building $112,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 15 Tennessee Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 File 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.
Wildfire risk around 15 Tennessee Ave is low, with a 0.04% annual chance of wildfire.
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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