307 Tennessee Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 307 Tennessee Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,272 sqft · built 1971
Lot Size	0.219 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$325,000 (Oct 2025)
Tax Bill	$3,386 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Oct 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`79877`

Property Details

APN / Parcel Number

Primary APN	`79877`
Alternative APN	`012630000103950105`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,272 sqft Heated Area
Gross Area	1,638 sqft
1st Floor Area	1,272 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1981
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.219 acres)
Lot Dimensions	150 ft deep x 62.5 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Open Porch
Porch Area	157 sqft
Fence	Fence
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	79877
Street Address	307 TENNESSEE AVE
City	SAINT CLOUD
State	FL
Zip	34769-2673
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	LAKE FRONT ADDN PB B PG 61 BLK 395 S 37.5 FT LOT 10 & N 25 FT LOT 9
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND AND 3RD STREETS
Legal Tract	1
Legal Block	395
Legal Lot Number	9-10
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3022
Census Tract	43400

Owner

Source: Osceola County records, as of December 11, 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	307 TENNESSEE AVE, SAINT CLOUD, FL 34769-2673
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2025	Warranty Deed, Transfer · VA Mortgage XPERT HOME LENDING INC
Oct 17, 2023	Warranty Deed, Transfer · FHA Mortgage SUNQUEST FUNDING LLC
Jul 13, 2018	Warranty Deed, Transfer · Stand-Alone Second Mortgage OSCEOLA COUNTY BOARD OF COUNTY COMM

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 21, 2025 · Amount on Record
Deed Sale	Oct 21, 2025 · Amount on Record
Prior Sale	Oct 17, 2023 · Amount on Record
Deed Document Number	2025130374
Deed Book / Page	6868 / 419
Record Updated	Jun 8, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 21, 2025
Property Address	307 TENNESSEE AVE, SAINT CLOUD, FL 34769-2673
Document Number	0068680419
Book / Page	6868 / 419
Map Reference	MB B PG 61-64
Instrument Date	Oct 17, 2025
Instrument	2025130374
Transaction Type	Transfer
Record Updated	Oct 31, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8659 RANGE ST, BELLEROSE MANOR, NY 11427-2721

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 TENNESSEE AVE, SAINT CLOUD, FL 34769-2673

Mortgage

Document Number	0006868421
Date	Oct 21, 2025
Instrument	6868/421

Lender

Name	XPERT HOME LENDING INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 17, 2023
Property Address	307 TENNESSEE AVE, SAINT CLOUD, FL 34769-2673
Document Number	0064910004
Book / Page	6491 / 4
Map Reference	MB B PG 61
Instrument Date	Oct 12, 2023
Instrument	2023136628
Transaction Type	Transfer
Record Updated	Nov 14, 2023
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,135.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5720 BARNES RD, BARTOW, FL 33830-1403

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 TENNESSEE AVE, SAINT CLOUD, FL 34769-2673

Mortgage

Document Number	0000064916
Date	Oct 17, 2023
Instrument	6491/6

Lender

Name	SUNQUEST FUNDING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 13, 2018
Property Address	307 TENNESSEE AVE, SAINT CLOUD, FL 34769-2673
Document Number	0053662994
Book / Page	5366 / 2994
Map Reference	MB B PG61-64
Instrument Date	Jul 6, 2018
Instrument	2018107727
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,200.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23 EDGEWOOD RD, 23, SUMMIT, NJ 07901-3903

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 TENNESSEE AVE, SAINT CLOUD, FL 34769-2673

Mortgage

Document Number	2018107729
Date	Jul 13, 2018
Instrument	2018107729

Lender

Name	OSCEOLA COUNTY BOARD OF COUNTY COMM
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0053662996
Date	Jul 13, 2018
Book Page	5366/2996
Instrument	2018107728

Lender

Name	TOWN SQUARE MORTGAGE & INVESTMENTS INC
Type	Mortgage Company
Address	DALLAS, TX 75248

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$3,386.00 (+3.55%) Homeowner's exemption	$232,075 (+2.9%)	$260,400 (+1.44%) Land $60,000 Building $200,400
2024	$3,270.00 (+44.12%) Homeowner's exemption	$225,535 (+34.13%)	$256,700 (+15.53%) Land $58,000 Building $198,700
2023	$2,269.00 (+3.99%) Homeowner's exemption	$168,152 (+3%)	$222,200 (+18.51%) Land $55,000 Building $167,200
2022	$2,182.00 Homeowner's exemption	$163,255	$187,500 Land $50,000 Building $137,500

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 minimal risk
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	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 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	0.02% 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.

Nearby Properties on Tennessee Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures