207 Tennessee Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 207 Tennessee Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,459 sqft · built 1972
Lot Size	0.219 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Oct 2021)
Tax Bill	$3,673 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`80381`

Property Details

APN / Parcel Number

Primary APN	`80381`
Alternative APN	`012630000104460105`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,459 sqft Heated Area
Gross Area	1,883 sqft
1st Floor Area	1,165 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1999
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.219 acres)
Lot Dimensions	150 ft deep x 62 ft wide

Exterior Amenities

Porch	Enclosed Porch
Porch Area	510 sqft
Fence	Fence
Shed	1 Shed
Shed Area	80 sqft
Utility Building	208 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	80381
Street Address	207 TENNESSEE AVE
City	SAINT CLOUD
State	FL
Zip	34769-2173
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	LAKE FRONT ADDN PB B PG 61-62 BLK 446 S 37.5 FT OF LOT 10 & N 25 FT LOT 9
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND AND 3RD STREETS
Legal Tract	1
Legal Block	446
Legal Lot Number	9-10
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3015
Census Tract	43400

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
Co-owner	Co-owner on Record
Mailing Address	207 TENNESSEE AVE, SAINT CLOUD, FL 34769-2173
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2021	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP
Jun 5, 2019	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2021 · Amount on Record
Deed Sale	Oct 4, 2021 · Amount on Record
Prior Sale	Jun 5, 2019 · Amount on Record
Deed Document Number	2021153636
Deed Book / Page	6057 / 1828
Record Updated	Jun 8, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 4, 2021
Property Address	207 TENNESSEE AVE, SAINT CLOUD, FL 34769-2173
Document Number	0060571828
Book / Page	6057 / 1828
Map Reference	MB B PG 61-64
Instrument Date	Sep 24, 2021
Instrument	2021153636
Transaction Type	Transfer
Record Updated	Oct 18, 2021
Title Company	SMART INTERNATIONAL TITLE LLC, SMART INTERNATIONAL TTL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,890.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	COMUNIDAD MANTILLA CALLE 4A, COMUNIDAD, BUZON XX

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3728 SILVER LAKE DR, KISSIMMEE, FL 34744-9471

Mortgage

Document Number	60571830
Date	Oct 4, 2021
Instrument	6057/1830

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 5, 2019
Property Address	207 TENNESSEE AVE, SAINT CLOUD, FL 34769-2173
Document Number	0055352018
Book / Page	005535 / 002018
Instrument Date	May 28, 2019
Instrument	72324
Transaction Type	Transfer
Record Updated	Jun 21, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,470.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 TENNESSEE AVE ST CLOUD FL 347692173, ST CLOUD, FL 34769-2173

Mortgage

Document Number	55352020
Date	Jun 5, 2019
Book Page	005535/002020
Instrument	72325

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 2049

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	$3,673.00 (+6.25%) Homeowner's exemption	$248,135 (+5.99%)	$307,000 (+14.17%) Land $60,000 Building $247,000
2023	$3,457.00 (+3.6%) Homeowner's exemption	$234,119 (+3%)	$268,900 (+18.3%) Land $55,000 Building $213,900
2022	$3,337.00 Homeowner's exemption	$227,300 Land $50,000 Building $177,300	$227,300 Land $50,000 Building $177,300

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	61.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 98 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	110 units insured incl. 12 condo units
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	3 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 2 claims Hurricane Frances, Sep 2004 · 3 claims

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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 368 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

May also be available: AT&T, Verizon.

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