231 Tennessee Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 231 Tennessee Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,212 sqft · built 1972
Lot Size	0.219 acres (9,539 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Sep 2026)
Tax Bill	$1,700 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`01-26-30-0001-0446-0070`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0446-0070`
Alternative APNs	`263001000104460070` `80376`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,212 sqft Living Area
Gross Area	1,750 sqft
1st Floor Area	1,212 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1977
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,539 sqft (0.219 acres)
Lot Dimensions	150 ft deep x 62.5 ft wide
Garage Type	Carport
Garage Area	150 sqft
Carport	Carport
Carport Area	150 sqft

Exterior Amenities

Porch	Slab
Porch Area	388 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	231 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 N 62.5 FT OF S 87.5 FT LOT 7
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	446
Legal Lot Number	7
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 October 13, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	231 TENNESSEE AVE, SAINT CLOUD, FL 34769-2173
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2026	Warranty Deed, Transfer · FHA Mortgage E HOME LOANS
Dec 27, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 16, 2017	Warranty Deed, Transfer · Conventional Mortgage CMG FINANCIAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2026 · Amount on Record
Deed Sale	Sep 18, 2026 · Amount on Record
Prior Sale	Mar 23, 2022 · Amount on Record
Deed Document Number	2026121743
Deed Book / Page	7037 / 415
Prior Transfer Date	Nov 24, 2021
Prior Transfer Doc	0061162116
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 18, 2026
Property Address	231 TENNESSEE AVE, SAINT CLOUD, FL 34769-2173
Document Number	0000121743
Book / Page	7037 / 415
Instrument Date	Sep 18, 2026
Instrument	2026121743
Transaction Type	Transfer
Record Updated	Oct 8, 2026
Title Company	IMPERIUM TITLE AND ESCROW LLC, IMPERIUM TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$219,170.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 TENNESSEE AVE, SAINT CLOUD, FL 34769-2173

Mortgage

Document Number	0000121744,
Date	Sep 18, 2026
Book Page	7037/417
Instrument	2026121744

Lender

Name	E HOME LOANS

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Dec 27, 2021
Property Address	231 TENNESSEE AVE, SAINT CLOUD, FL 34769-2173
Document Number	0061162116
Book / Page	6116 / 2116
Map Reference	MB B PG 61-64
Instrument Date	Nov 24, 2021
Instrument	2021199772
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	LAND TITLE CORPORATION, LANDING TITLE AGENCY INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 TENNESSEE AVE, SAINT CLOUD, FL 34769-2173

Mortgage

Document Number	0061162120
Date	Dec 27, 2021
Instrument	6116/2120

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 16, 2017
Property Address	231 TENNESSEE AVE, SAINT CLOUD, FL 34769-2173
Document Number	0051642338
Book / Page	5164 / 2338
Map Reference	MB B PG61-64
Instrument Date	May 31, 2017
Instrument	2017087421
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	PRINCIPAL TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,092.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	280 S RONALD REAGAN BLVD # BLVD200, 280, LONGWOOD, FL 32750-5468

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	231 TENNESSEE AVE, SAINT CLOUD, FL 34769-2173

Mortgage

Document Number	0051642340
Date	Jun 16, 2017
Instrument	5164/2340

Lender

Name	CMG FINANCIAL
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

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	$1,700.00 (+3.91%)	$137,867 (+5.99%)	$279,900 (+13.09%) Land $60,000 Building $219,900
2024	$1,636.00 (+3.35%)
2023	$1,583.00 (+4.42%) Homeowner's exemption	$130,080 (+3%)	$247,500 (+13.07%) Land $55,000 Building $192,500
2022	$1,516.00 Homeowner's exemption	$126,292	$218,900 Land $50,000 Building $168,900

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 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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