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19 Tennessee Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 19 Tennessee Ave, Saint Cloud, FL 34769 · Last verified December 2025

Property Summary

Property TypeCondominium
Details2 bd · 2 ba · 1,048 sqft · built 1985
Lot Size0.028 acres (1,263 sqft)
OwnerIndividual Name on File
Last Sale$57,000 (Jan 1995)
Tax Bill$560 (2025)
Deeds & MortgagesJul 2019 Loan Modification
Flood ZoneZone AE (high risk)
APN81616

Property Details

APN / Parcel Number

Primary APN81616
Alternative APN
  • 032630041500014010

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,048 sqft Heated Area
Gross Area1,248 sqft
1st Floor Area1,048 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1985
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area1,263 sqft (0.028 acres)
PorchOpen Porch
Porch Area160 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number81616
Street Address19 TENNESSEE AVE
CitySAINT CLOUD
StateFL
Zip34769-2103
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionLAKESHORE VILLAGE PHASE 4 CB 1 PG 289 LOT 401
Legal Range30E
Legal Township26S
Legal Section03
Legal SubdivisionLAKESHORE VILLAGE CONDO
Legal Phase4
Legal Tract415
Legal Block1
Legal Lot Number401
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3010
Census Tract43400

Owner

Source: Osceola County records · APN 81616

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Mailing Address19 TENNESSEE AVE, SAINT CLOUD, FL 34769-2103
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJan 27, 1995 · Amount on Record
Deed SaleJan 27, 1995 · Amount on Record
Deed Document Number0012362715
Record UpdatedJun 08, 2026

July 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address19 TENNESSEE AVE, SAINT CLOUD, FL 34769-2103
Document Number0057041267
Instrument DateJul 03, 2019
Transaction TypeMortgage
Record UpdatedJun 10, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address19 TENNESSEE AVE ST CLOUD FL 347692103, ST CLOUD, FL 34769-2103

Mortgage

Document Number0057041267
DateApr 07, 2020
Book Page005704/001267
Instrument47436
Lender
NameNRZ PASS-THROUGH TRUST X (CT)
Address55 BEATTIE PL # 110, GREENVILLE, SC 29601-5115
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term468 Months
DueApr 06, 2059
Interest
Rate5.87%

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$560.00 (+2.75%) Homeowner's exemption$71,302 (+5.99%)$135,100 (-0.73%) Building $135,100
2023$545.00 (+1.87%) Homeowner's exemption$67,275 (+3%)$136,100 (+25.32%) Building $136,100
2022$535.00 Homeowner's exemption$65,316$108,600 Building $108,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970434003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation61.0 ft
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 98 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies110 units insured
12 under condo master policies
Nearby Flood Claims24 (1994–2022)
Claims Outside the SFHA3 of 24
Most Recent ClaimSep 2022, river or lake flooding, Hurricane Ian
Claims By Storm
  • Hurricane Ian, Sep 2022 · 4 claims
  • Hurricane Ian, Sep 2022 · 2 claims
  • Hurricane Frances, Sep 2004 · 3 claims

Wildfire

Wildfire RiskModerate
above 60% of the US · above 34% of Florida
Wildfire LikelihoodAbout 1 in 1,075 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 368 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber8,000 / 8,000
SpectrumCable1,000 / 1,000

May also be available at this address: Verizon, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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