214 Tennessee Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 214 Tennessee Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,019 sqft · built 1973
Lot Size	0.286 acres (12,458 sqft)
Owner	Individual Name on Record
Last Sale	$475,000 (Mar 2026)
Tax Bill	$5,317 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Jan 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`01-26-30-0001-0447-0030`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0447-0030`
Alternative APNs	`263001000104470030` `80385`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Units	2 Units
Stories	1 Story
Building Area	2,019 sqft Living Area
Gross Area	2,657 sqft
1st Floor Area	1,779 sqft
Flooring	Carpet

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	L-Shape
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,458 sqft (0.286 acres)
Lot Dimensions	150 ft deep x 83 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	392 sqft
Porch	Florida Room
Porch Area	358 sqft
Deck Area	633 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	214 TENNESSEE AVE
City	SAINT CLOUD
State	FL
Zip	34769-2174
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	SR2
Legal Description	LAKEFRONT ADDN PB B PG 61-62 BLK 447 S 50 FT LOT 3 + N 33 FT LOT 4
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	447
Legal Lot Number	3
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3016
Census Tract	43400

Owner

Source: Osceola County records, as of June 5, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	212 TENNESSEE AVE, SAINT CLOUD, FL 34769-2174
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2026	Warranty Deed, Transfer · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jan 3, 2023	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Feb 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage ATHAS CAP
Dec 14, 2017	Quit Claim Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 16, 2026 · Amount on Record
Deed Sale	Mar 16, 2026 · Amount on Record
Prior Sale	Jan 3, 2023 · Amount on Record
Deed Document Number	202633910
Deed Book / Page	6937 / 1480
Record Updated	Sep 20, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 16, 2026
Property Address	212 TENNESSEE AVE, SAINT CLOUD, FL 34769-2174
Document Number	0069371480
Book / Page	6937 / 1480
Map Reference	MB B PG 61-64
Instrument Date	Mar 12, 2026
Instrument	2026033910
Transaction Type	Transfer
Record Updated	Mar 30, 2026
Title Company	DOOR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,325.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9000 US HIGHWAY 192, CLERMONT, FL 34714-8215

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	212 TENNESSEE AVE # 214, 214, SAINT CLOUD, FL 34769-2174

Mortgage

Document Number	0069371482
Date	Mar 16, 2026
Instrument	6937/1482

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

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

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 3, 2023
Property Address	212 TENNESSEE AVE, SAINT CLOUD, FL 34769-2174
Document Number	0063390665
Book / Page	6339 / 665
Map Reference	MB B PG 61-64
Instrument Date	Dec 30, 2022
Instrument	2023000498
Transaction Type	Transfer
Record Updated	Jan 23, 2023
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,793.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1921 MAGICAL LN, KISSIMMEE, FL 34744-5516

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	214 TENNESSEE AVE, SAINT CLOUD, FL 34769-2174

Mortgage

Document Number	0006339666
Date	Jan 3, 2023
Instrument	6339/666

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	212 TENNESSEE AVE, SAINT CLOUD, FL 34769-2174
Document Number	0052920933
Instrument Date	Feb 21, 2018
Transaction Type	Mortgage
Record Updated	Mar 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1555 NEPTUNE RD KISSIMMEE FL 347444736, KISSIMMEE, FL 34744-4736

Mortgage

Document Number	0052920933
Date	Feb 26, 2018
Book Page	005292/000933
Instrument	33344

Lender

Name	ATHAS CAP
Type	Funding / Finance Company
Address	CALABASAS, CA 91301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 2048

Interest

Rate Type	Adjustable Rate

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 14, 2017
Property Address	212 TENNESSEE AVE, SAINT CLOUD, FL 34769-2174
Document Number	0052540459
Book / Page	005254 / 000459
Instrument Date	Dec 11, 2017
Instrument	177922
Transaction Type	Transfer
Record Updated	Jan 16, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1555 NEPTUNE RD KISSIMMEE FL 347444736, KISSIMMEE, FL 34744-4736

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	$5,317.00 (+1.7%) Homeowner's exemption	$339,712 (+4.32%)	$348,300 (+2.71%) Land $70,000 Building $278,300
2024	$5,228.00 (+2.31%)
2023	$5,110.00 (+55.56%) Homeowner's exemption	$325,656 (+57.17%)	$339,100 (+63.66%) Land $60,000 Building $279,100
2022	$3,285.00	$207,200 Land $52,000 Building $155,200	$207,200 Land $52,000 Building $155,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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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