1604 Massachusetts Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1604 Massachusetts Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,893 sqft · built 1950
Lot Size	0.321 acres (13,982 sqft)
Owner	2 Individual Names on Record
Last Sale	$334,000 (Mar 2026)
Tax Bill	$5,322 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0334-0010`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0334-0010`
Alternative APNs	`263001000103340010` `79270`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,893 sqft Living Area
Gross Area	2,252 sqft
1st Floor Area	1,893 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1987
Architectural Style	Conventional
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,982 sqft (0.321 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	240 sqft
Porch	Florida Room
Porch Area	119 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1604 MASSACHUSETTS AVE
City	SAINT CLOUD
State	FL
Zip	34769-4354
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 334 LOTS 1-4 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	334
Legal Lot Number	1
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2041
Census Tract	43500

Owner

Source: Osceola County records, as of August 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3095 MANDOLIN DR, KISSIMMEE, FL 34744-9144
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2026 · Amount on Record
Deed Sale	Mar 16, 2026 · Amount on Record
Prior Sale	Aug 3, 2009 · Amount on Record
Deed Document Number	202633706
Deed Book / Page	6937 / 790
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 16, 2026
Property Address	1604 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-4354
Document Number	0069370790
Book / Page	6937 / 790
Map Reference	MB B PG 33
Instrument Date	Mar 9, 2026
Instrument	2026033706
Transaction Type	Transfer
Record Updated	Mar 30, 2026
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,338.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	579 N BROADWAY, HAVERHILL, MA 01832-1221

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3095 MANDOLIN DR, KISSIMMEE, FL 34744-9144

Mortgage

Document Number	0006937792
Date	Mar 16, 2026
Instrument	6937/792

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Jul 1, 2031
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.75%
Index	1-Year CMT
Max Rate	5%

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	$5,322.00 (+7.6%)	$303,900 (+12.06%) Land $63,200 Building $240,700	$303,900 (+12.06%) Land $63,200 Building $240,700
2024	$4,946.00 (+8.97%)
2023	$4,539.00	$271,200 Land $57,500 Building $213,700	$271,200 Land $57,500 Building $213,700

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	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