Osceola County property record for 1806 Massachusetts Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,092 sqft · built 1986 |
| Lot Size | 0.239 acres (10,454 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $280,000 (Jul 2023) |
| Tax Bill | $4,310 (2025) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Mar 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 84348 |
| Primary APN | 84348 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,092 sqft Heated Area |
| Gross Area | 1,784 sqft |
| 1st Floor Area | 1,092 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 10,454 sqft (0.239 acres) |
| Lot Dimensions | 140 ft deep x 76 ft wide |
| Garage Type | Finished |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Area | 450 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 380 sqft |
| Deck Area | 550 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 84348 |
|---|---|
| Street Address | 1806 MASSACHUSETTS AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-5110 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ORS3 |
| Legal Description | WILLIAMS ADDN PB 1 PG 42 LOTS 44 & 45, N 16.2 FT OF LOT 43 & S 10 FT OF LOT 46 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 11 |
| Legal Subdivision | SOUTH OF 17TH ST AND MISSOURI |
| Legal Tract | 5510 |
| Legal Block | 1 |
| Legal Lot Number | 43-46 45 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 43303 |
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 | PO BOX 702606, SAINT CLOUD, FL 34770-2606 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 10, 2023 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 8, 2022 | Deed of Trust, Mortgage · FHA Mortgage RP FUNDING INC |
| Feb 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC |
| Jun 12, 2017 | Warranty Deed, Transfer · FHA Mortgage EMBRACE HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 10, 2023 · Amount on Record |
| Deed Sale | Jul 10, 2023 · Amount on Record |
| Prior Sale | Jun 12, 2017 · Amount on Record |
| Deed Document Number | 2023088448 |
| Deed Book / Page | 6438 / 184 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 10, 2023 |
| Property Address | 1806 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-5110 |
| Document Number | 0064380184 |
| Book / Page | 6438 / 184 |
| Map Reference | MB 1 PG 42 |
| Instrument Date | Jul 7, 2023 |
| Instrument | 2023088448 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2023 |
| Title Company | RED DOOR TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,960.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 906 OREGON AVE, SAINT CLOUD, FL 34769-3435 |
| Name | Verified Name |
|---|---|
| Address | 4701 OLD CANOE CREEK RD UNIT 702606, 702606, SAINT CLOUD, FL 34770-7106 |
| Document Number | 0006438187 |
|---|---|
| Date | Jul 10, 2023 |
| Instrument | 6438/187 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1806 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-5110 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1806 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-5110 |
| Document Number | 0061662736 |
|---|---|
| Date | Mar 8, 2022 |
| Book Page | 6166/2736 |
| Instrument | 2022037475 |
| Name | RP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | LAKE MARY, FL 32746 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1806 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-5110 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1806 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-5110 |
| Document Number | 0058830073 |
|---|---|
| Date | Feb 2, 2021 |
| Book Page | 5883/73 |
| Instrument | 2021015172 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 12, 2017 |
| Property Address | 1806 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-5110 |
| Document Number | 0051620817 |
| Book / Page | 005162 / 000817 |
| Instrument Date | Jun 8, 2017 |
| Instrument | 85029 |
| Transaction Type | Transfer |
| Record Updated | Jul 17, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,120.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1806 MASSACHUSETTS AVE ST CLOUD FL 347695110, ST CLOUD, FL 34769-5110 |
| Document Number | 51620819 |
|---|---|
| Date | Jun 12, 2017 |
| Book Page | 005162/000819 |
| Instrument | 85030 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 11, 2047 |
Source: Osceola County assessment roll, as of July 1, 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 | $4,310.00 (+96.53%) | $240,600 (+39.58%) Land $45,000 Building $195,600 | $240,600 (+13.44%) Land $45,000 Building $195,600 |
| 2023 | $2,193.00 (+1.29%) Homeowner's exemption | $172,376 (+1.25%) | $212,100 (+5.37%) Land $35,000 Building $177,100 |
| 2022 | $2,165.00 Homeowner's exemption | $170,245 | $201,300 Land $35,000 Building $166,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% 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 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 |
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