Osceola County property record for 325 Massachusetts Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,406 sqft · built 1951 |
| Lot Size | 0.248 acres (10,802 sqft) |
| Owner | Individual Name on File |
| Last Sale | $70,300 (Jan 2011) |
| Tax Bill | $3,767 (2025) |
| Deeds & Mortgages | Dec 2017 Line of Credit |
| Flood Zone | Zone X (moderate risk) |
| APN | 01-26-30-0001-0406-0070 |
| Primary APN | 01-26-30-0001-0406-0070 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,406 sqft Living Area |
| Gross Area | 2,278 sqft |
| 1st Floor Area | 1,166 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,802 sqft (0.248 acres) |
| Lot Dimensions | 144 ft deep x 75 ft wide |
| Garage Type | Carport |
| Garage Area | 600 sqft |
| Carport | Carport |
| Carport Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
|---|---|
| Porch Area | 512 sqft |
| Shed | 1 Shed |
| Shed Area | 117 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 325 MASSACHUSETTS AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2362 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | LAKE FRONT ADDN PB B PG 61-62 BLK 406 N 50 FT LOT 7 & S 25 FT LOT 8 LESS E 6 FT THEREOF |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 406 |
| Legal Lot Number | 7 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 43500 |
325 Massachusetts Ave is owned and occupied by an individual who bought it in January 2011.
Source: Osceola County records, as of November 26, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 325 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2362 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 31, 2011 · Amount on File |
| Deed Sale | Jan 31, 2011 · Amount on File |
| Prior Sale | Nov 27, 1996 · Amount on File |
| Deed Document Number | 201112467 |
| Deed Book / Page | 4088 / 1261 |
| Prior Transfer Date | Jul 17, 1996 |
| Prior Transfer Doc | 1339000212 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 325 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2362 |
| Document Number | 0052682272 |
| Book / Page | 005268 / 002272 |
| Instrument Date | Dec 28, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2018 |
| Title Company | MORTGAGE TITLE SERVICES INC |
| Name | Verified Name |
|---|---|
| Address | 325 MASSACHUSETTS AVE ST CLOUD FL 347692362, ST CLOUD, FL 34769-2362 |
| Document Number | 0052682272 |
|---|---|
| Date | Jan 12, 2018 |
| Book Page | 005268/002272 |
| Instrument | 7156 |
| Name | FAIRWINDS CU |
|---|---|
| Address | ORLANDO, FL 32826 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jan 11, 2023 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 325 Massachusetts Ave was $3,767, up 7.3% from the year before.
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 | $3,767.00 (+7.29%) | $235,600 Land $60,000 Building $175,600 | $235,600 Land $60,000 Building $175,600 |
| 2024 | $3,511.00 (+9.92%) | ||
| 2023 | $3,194.00 (+11.48%) | $205,000 (+14.65%) Land $55,000 Building $150,000 | $205,000 (+14.65%) Land $55,000 Building $150,000 |
| 2022 | $2,865.00 | $178,800 Land $50,000 Building $128,800 | $178,800 Land $50,000 Building $128,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 325 Massachusetts Ave in Zone X, an area of moderate flood risk, though there have been 1 flood claim nearby since 1994.
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 |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 17 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 1 (1994) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Nov 1994 · rainfall accumulation |
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 risk around 325 Massachusetts Ave is low, with a 0.02% annual chance of 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 | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 306 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 |
| Verizon Fixed Wireless | 300 / 20 |
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