1603 Massachusetts Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1603 Massachusetts Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,112 sqft · built 1953
Lot Size	0.239 acres (10,454 sqft)
Owner	Individual Name on Record
Last Sale	$256,500 (Dec 2021)
Tax Bill	$2,888 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`79282`

Property Details

APN / Parcel Number

Primary APN	`79282`
Alternative APN	`012630000103350160`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,112 sqft Heated Area
Gross Area	1,615 sqft
1st Floor Area	865 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1989
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.239 acres)
Lot Dimensions	140 ft deep x 75 ft wide
Garage Type	Finished
Garage Area	299 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Enclosed Porch
Porch Area	307 sqft
Fence	Fence
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	79282
Street Address	1603 MASSACHUSETTS AVE
City	SAINT CLOUD
State	FL
Zip	34769-4353
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 335 LOTS 16-18 11/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	335
Legal Lot Number	16 17
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2040
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
Mailing Address	1603 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-4353
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2021	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Feb 21, 2017	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2021 · Amount on Record
Deed Sale	Dec 16, 2021 · Amount on Record
Prior Sale	Feb 21, 2017 · Amount on Record
Deed Document Number	2021194289
Deed Book / Page	6109 / 1994
Record Updated	Jun 8, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 16, 2021
Property Address	1603 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-4353
Document Number	0061091994
Book / Page	6109 / 1994
Map Reference	MB B PG 33
Instrument Date	Dec 10, 2021
Instrument	2021194289
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,795.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7125 SIX GUN CT, 7125, SAINT CLOUD, FL 34771-7918

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1603 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-4353

Mortgage

Document Number	0061091995
Date	Dec 16, 2021
Instrument	6109/1995

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 21, 2017
Property Address	1603 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-4353
Document Number	0051052292
Book / Page	5105 / 2292
Map Reference	MB B PG33&34
Instrument Date	Feb 17, 2017
Instrument	2017028490
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	$840.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	39670 ROCKCREST LN, 39670, NORTHVILLE, MI 48168-3965

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1603 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-4353

Mortgage

Document Number	0051052293
Date	Feb 21, 2017
Book Page	5105/2293
Instrument	2017028491

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

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	$2,888.00 (+6.53%) Homeowner's exemption	$204,250 (+5.99%)	$242,600 (+11.8%) Land $55,000 Building $187,600
2023	$2,711.00 (+3.79%) Homeowner's exemption	$192,713 (+3%)	$217,000 (+15.98%) Land $50,000 Building $167,000
2022	$2,612.00 Homeowner's exemption	$187,100 Land $45,000 Building $142,100	$187,100 Land $45,000 Building $142,100

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	Moderate above 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.1% 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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