Osceola County property record for 218 Tennessee Ave, Saint Cloud, FL 34769
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,761 sqft · built 1973 |
| Lot Size | 0.286 acres (12,458 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $214,000 (Jun 2006) |
| Tax Bill | $4,321 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 01-26-30-0001-0447-0040 |
| Primary APN | 01-26-30-0001-0447-0040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 1,761 sqft Living Area |
| Gross Area | 2,667 sqft |
| 1st Floor Area | 1,761 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1990 |
| 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 | Carport |
| Garage Area | 200 sqft |
| Carport | Carport |
| Carport Area | 200 sqft |
| Porch | Florida Room |
| Porch Area | 376 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 216 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 | TOWN OF ST CLOUD LAKEFORNT ADDN PB B PG 61-62 BLK 447 S 67 FT LOT 4 & N 16 FT LOT 5 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 447 |
| Legal Lot Number | 4 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 43400 |
Source: Osceola County records, as of July 13, 2026
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 | 7883 BROKEN ARROW TRL, WINTER PARK, FL 32792-9009 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 5, 2006 · Amount on Record |
| Deed Sale | Jun 5, 2006 · Amount on Record |
| Prior Sale | Mar 5, 2004 · Amount on Record |
| Deed Document Number | 2006146350 |
| Deed Book / Page | 3177 / 1961 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 1, 2026 |
| Property Address | 216 TENNESSEE AVE, SAINT CLOUD, FL 34769-2174 |
| Document Number | 0000086874 |
| Book / Page | 6997 / 2226 |
| Instrument Date | Jun 29, 2026 |
| Instrument | 202686874 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 7883 BROKEN ARROW TRL, WINTER PARK, FL 32792-9009 |
| Document Number | 0000086874, |
|---|---|
| Date | Jul 1, 2026 |
| Book Page | 6997/2226 |
| Instrument | 202686874 |
| Name | AMERICAN HERITAGE LENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.53% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Osceola County assessment roll, as of November 26, 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 | $4,321.00 (+12.35%) | $281,600 (+1.7%) Land $70,000 Building $211,600 | $281,600 (+1.7%) Land $70,000 Building $211,600 |
| 2023 | $3,846.00 (+18.78%) | $276,900 (+35.54%) Land $60,000 Building $216,900 | $276,900 (+35.54%) Land $60,000 Building $216,900 |
| 2022 | $3,238.00 | $204,300 Land $52,000 Building $152,300 | $204,300 Land $52,000 Building $152,300 |
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 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 |
|
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 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.
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 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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