1707 Massachusetts Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1707 Massachusetts Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,152 sqft · built 1929
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$199,000 (Oct 2020)
Tax Bill	$2,615 (2025)
Deeds & Mortgages	Oct 2021 Transfer Oct 2020 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`84240`

Property Details

APN / Parcel Number

Primary APN	`84240`
Alternative APN	`112630495000010360`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,152 sqft Heated Area
Gross Area	1,236 sqft
1st Floor Area	1,080 sqft
Upper Floors Area	300 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1929
Effective Year Built	Effective 2002
Exterior Material	Vinyl
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,405 sqft (0.169 acres)
Lot Dimensions	100 ft deep x 75 ft wide

Exterior Amenities

Deck Area	76 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	84240
Street Address	1707 MASSACHUSETTS AVE
City	SAINT CLOUD
State	FL
Zip	34769-5107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-3
Legal Description	S L & I C PB B PG 2 W 100 FT OF THE S 75 FT OF LOT 36
Legal Range	30E
Legal Township	26S
Legal Section	11
Legal Subdivision	SOUTH OF 17TH ST AND MISSOURI
Legal Tract	4950
Legal Block	1
Legal Lot Number	36
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2019
Census Tract	43303

Owner

Source: Osceola County assessment roll, as of July 1, 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 File
Mailing Address	1707 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-5107
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2021	Quit Claim Deed, Transfer Quitclaim
Oct 23, 2020	Warranty Deed, Transfer · FHA Mortgage THE MORTGAGE FIRM INC
Nov 12, 2019	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 5, 2017	Grant Deed, Transfer STEWART TITLE
Jun 30, 2017	Grant Deed, Foreclosure ATTORNEY ONLY
May 11, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 23, 2020 · Amount on Record
Deed Sale	Oct 23, 2020 · Amount on Record
Prior Sale	Oct 23, 2020 · Amount on Record
Deed Document Number	0058180847
Deed Book / Page	5818 / 847
Last Transfer Date	Oct 7, 2021
Transfer Doc	0060601894
Record Updated	Jun 8, 2026

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 7, 2021
Property Address	1707 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-5107
Document Number	0060601894
Book / Page	6060 / 1894
Map Reference	MB B PG 2
Instrument Date	Sep 27, 2021
Instrument	2021156101
Transaction Type	Transfer
Record Updated	Oct 25, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3809 KYLE DR, 3809, SAINT CLOUD, FL 34772-7032

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1707 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-5107

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 23, 2020
Property Address	1707 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-5107
Document Number	0058180847
Book / Page	5818 / 847
Map Reference	MB B PG 2
Instrument Date	Oct 20, 2020
Instrument	2020143542
Transaction Type	Transfer
Record Updated	Feb 7, 2021
Title Company	NONA TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,393.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	190 ORANGE AVE, 190, SAINT CLOUD, FL 34769-2551

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1707 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-5107

Mortgage

Document Number	5818849
Date	Oct 23, 2020
Instrument	5818/849

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 12, 2019
Property Address	1707 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-5107
Document Number	0056212549
Book / Page	5621 / 2549
Map Reference	MB B PG 2
Instrument Date	Nov 8, 2019
Instrument	2019146802
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,225.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1912 BIG CYPRESS DR, 1912, SAINT CLOUD, FL 34771-8008

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1707 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-5107

Mortgage

Document Number	0056212551
Date	Nov 12, 2019
Instrument	5621/2551

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 5, 2017
Property Address	1707 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-5107
Document Number	0052182410
Book / Page	005218 / 002410
Instrument Date	Oct 5, 2017
Instrument	142231
Transaction Type	Transfer
Record Updated	Nov 10, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$525.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1912 BIG CYPRESS DR ST CLOUD FL 347718008, ST CLOUD, FL 34771-8008

June 2017: Grant Deed, Foreclosure

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 30, 2017
Property Address	1707 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-5107
Document Number	0051721783
Book / Page	005172 / 001783
Instrument Date	Jun 7, 2017
Instrument	95888
Transaction Type	Foreclosure
Record Updated	Jul 31, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

May 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 11, 2017
Property Address	1707 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-5107
Document Number	0051460485
Book / Page	005146 / 000485
Instrument Date	Apr 27, 2017
Instrument	69016
Transaction Type	Foreclosure
Record Updated	Jun 28, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1001 SEMMES AVE RICHMOND VA 232242245, RICHMOND, VA 23224-2245

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	$2,615.00 (+6.65%) Homeowner's exemption	$189,013 (+5.99%)	$230,900 (+10.9%) Land $41,800 Building $189,100
2023	$2,452.00 (+16.26%) Homeowner's exemption	$178,337 (+4.74%)	$208,200 (+8.44%) Land $32,600 Building $175,600
2022	$2,109.00 Homeowner's exemption	$170,263	$192,000 Land $32,600 Building $159,400

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 38 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	38 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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