Osceola County property record for 3 Tennessee Ave, Saint Cloud, FL 34769
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,050 sqft · built 1985 |
| Lot Size | 0.03 acres (1,306 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $210,000 (Feb 2024) |
| Tax Bill | $2,376 (2025) |
| Deeds & Mortgages | Feb 2024 Sale & Mortgage Oct 2017 Transfer |
| Flood Zone | Zone AE (high risk) |
| APN | 03-26-30-0413-0001-1020 |
| Primary APN | 03-26-30-0413-0001-1020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,050 sqft Living Area |
| Gross Area | 1,310 sqft |
| 1st Floor Area | 1,050 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Custom Design |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 1,306 sqft (0.03 acres) |
| Porch | Finished Vinyl Porch |
| Porch Area | 220 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3 TENNESSEE AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2103 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | SR3 |
| Legal Description | LAKESHORE VILLAGE PHASE I CB 1 PG 249-251 UNIT 102 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 03 |
| Legal Subdivision | LAKESHORE VLG PH 1 CONDO |
| Legal Phase | 1 |
| Legal Tract | 413 |
| Legal Block | 1020 |
| Legal Lot Number | 102 |
| Legal Unit | 102 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 43400 |
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 Record | Individual Name on Record |
|---|---|
| Mailing Address | 4850 LAKES EDGE LN, KISSIMMEE, FL 34744-9258 |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
| Date | Document |
|---|---|
| Feb 22, 2024 | Warranty Deed, Transfer · Conventional Mortgage NORTHPOINT MORTGAGE INC |
| Oct 13, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 22, 2024 · Amount on Record |
| Deed Sale | Feb 22, 2024 · Amount on Record |
| Prior Sale | Jan 31, 2018 · Amount on Record |
| Deed Document Number | 202423404 |
| Deed Book / Page | 6553 / 2257 |
| Prior Transfer Date | Oct 10, 2017 |
| Prior Transfer Doc | 0052232760 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 22, 2024 |
| Property Address | 3 TENNESSEE AVE, SAINT CLOUD, FL 34769-2103 |
| Document Number | 0065532257 |
| Book / Page | 6553 / 2257 |
| Map Reference | MB 767 PG 1135 |
| Instrument Date | Feb 22, 2024 |
| Instrument | 2024023404 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2024 |
| Title Company | OLIVER TITLE LAW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,470.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13429 WESSEL CT, STERLING HEIGHTS, MI 48313-3471 |
| Name | Verified Name |
|---|---|
| Address | 4850 LAKES EDGE LN, KISSIMMEE, FL 34744-9258 |
| Document Number | 0065532260 |
|---|---|
| Date | Feb 22, 2024 |
| Instrument | 6553/2260 |
| Name | NORTHPOINT MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 13, 2017 |
| Property Address | 3 TENNESSEE AVE, SAINT CLOUD, FL 34769-2103 |
| Document Number | 0052232760 |
| Book / Page | 005223 / 002760 |
| Instrument Date | Oct 10, 2017 |
| Instrument | 147425 |
| Transaction Type | Transfer |
| Record Updated | Nov 10, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 312 SAN FRANCISCO BLVD SAN ANSELMO CA 949601639, SAN ANSELMO, CA 94960-1639 |
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 | $2,376.00 (+4.26%) | $132,800 (-0.67%) Building $132,800 | $132,800 (-0.67%) Building $132,800 |
| 2024 | $2,279.00 (+6.59%) | ||
| 2023 | $2,138.00 (+14.7%) | $133,700 (+25.19%) Building $133,700 | $133,700 (+25.19%) Building $133,700 |
| 2022 | $1,864.00 | $106,800 Building $106,800 | $106,800 Building $106,800 |
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 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 |
|
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 | Moderate above 60% of the US · lower than 66% of Florida |
|---|---|
| Wildfire Likelihood | 0.09% 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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