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23 Tennessee Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 23 Tennessee Ave, Saint Cloud, FL 34769

Property Summary

Property TypeCondominium
Details2 bd · 2 ba · 1,048 sqft · built 1985
Lot Size0.029 acres (1,263 sqft)
OwnerIndividual Name on Record
Last Sale$128,000 (Jan 2018)
Tax Bill$794 (2025)
Deeds & MortgagesJan 2018 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN03-26-30-0415-0001-4030

Property Details

APN / Parcel Number

Primary APN03-26-30-0415-0001-4030
Alternative APNs
  • 263003041500014030
  • 81618

Interior

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

Exterior

Year BuiltBuilt 1985
Effective Year BuiltEffective 1985
Architectural StyleL-Shape
Exterior MaterialCombination
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area1,263 sqft (0.029 acres)
PorchFlorida Room
Porch Area160 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address23 TENNESSEE AVE
CitySAINT CLOUD
StateFL
Zip34769-2103
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Local Zoning CodeSR3
Legal DescriptionLAKESHORE VILLAGE PHASE 4 CB 1 PG 289 LOT 403
Legal Range30E
Legal Township26S
Legal Section03
Legal SubdivisionLAKESHORE VLG PH 4 CONDO
Legal Phase4
Legal Tract415
Legal Block4030
Legal Lot Number403
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3010
Census Tract43400

Owner

Source: Osceola County records, as of November 26, 2025

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

Owner of RecordIndividual Name on Record
Mailing Address23 TENNESSEE AVE, SAINT CLOUD, FL 34769-2103
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 22, 2018 · Amount on Record
Deed SaleJan 22, 2018 · Amount on Record
Prior SaleJul 8, 1999 · Amount on Record
Deed Document Number201810721
Deed Book / Page5272 / 1029
Prior Transfer DateNov 2, 2007
Prior Transfer Doc0035952270
Record UpdatedJun 8, 2026

January 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 22, 2018
Property Address23 TENNESSEE AVE, SAINT CLOUD, FL 34769-2103
Document Number0052721029
Book / Page5272 / 1029
Map ReferenceMB767 PG1135
Instrument DateDec 15, 2017
Instrument2018010721
Transaction TypeTransfer
Record UpdatedJun 2, 2022
Title CompanyOLIVER TITLE LAW

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$896.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1425 W HARVARD ST, 1425, ORLANDO, FL 32804-4844

Transferred To (Grantee/Buyer)

NameVerified Name
Address23 TENNESSEE AVE, SAINT CLOUD, FL 34769-2103

Mortgage

Document Number2018010722
DateJan 22, 2018
Instrument2018010722
Lender
NameHOMEBRIDGE FINANCIAL SERVICES INC
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 1, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$794.00 (+4.75%) Homeowner's exemption$87,472 (+5.99%)$135,100 (-0.73%) Building $135,100
2024$758.00 (+4.84%)
2023$723.00 (+6.32%) Homeowner's exemption$82,532 (+3%)$136,100 (+25.32%) Building $136,100
2022$680.00 Homeowner's exemption$80,129$108,600 Building $108,600

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation61.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 98 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies110 units insured
incl. 12 condo units
Nearby Flood Claims24 (1994–2022)
Claims Outside the SFHA3 of 24
Most Recent ClaimSep 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 RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.04% annual chance
ExposureDirect
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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