1503 Massachusetts Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1503 Massachusetts Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,000 sqft · built 1910
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Dec 2020)
Tax Bill	$1,354 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`79032`

Property Details

APN / Parcel Number

Primary APN	`79032`
Alternative APN	`012630000103040220`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,000 sqft Heated Area
Gross Area	1,324 sqft
1st Floor Area	714 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1999
Exterior Material	Aluminum Siding
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.139 acres)
Lot Dimensions	140 ft deep x 44 ft wide
Garage Type	Detached - Unfinished
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	302 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	79032
Street Address	1503 MASSACHUSETTS AVE
City	SAINT CLOUD
State	FL
Zip	34769-4351
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 304 LOT 22 & S 19 FT OF LOT 23 11/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	304
Legal Lot Number	22
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2035
Census Tract	43500

Owner

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
Co-owner	Co-owner on Record
Mailing Address	1503 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-4351
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2020 · Amount on Record
Deed Sale	Dec 11, 2020 · Amount on Record
Prior Sale	Nov 10, 2005 · Amount on Record
Deed Document Number	2020168540
Deed Book / Page	5849 / 1932
Record Updated	Jun 8, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 11, 2020
Property Address	1503 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-4351
Document Number	0058491932
Book / Page	5849 / 1932
Map Reference	MB B PG 33&34
Instrument Date	Dec 10, 2020
Instrument	2020168540
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,155.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1616 MASSACHUSETTS AVE, 1616, SAINT CLOUD, FL 34769-4354

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1503 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-4351

Mortgage

Document Number	0058491938
Date	Dec 11, 2020
Instrument	5849/1938

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$1,354.00 (+8.84%) Homeowner's exemption Senior Citizen's exemption	$130,164 (+5.99%)	$186,500 (+15.34%) Land $46,800 Building $139,700
2023	$1,244.00 (+5.33%) Homeowner's exemption Senior Citizen's exemption	$122,812 (+3%)	$161,700 (+10.3%) Land $34,000 Building $127,700
2022	$1,181.00 Homeowner's exemption Senior Citizen's exemption	$119,235	$146,600 Land $30,600 Building $116,000

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 99.1% of the US · lower than 98.7% 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.

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 470 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20