331 Tennessee Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 331 Tennessee Ave, Saint Cloud, FL 34769 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,220 sqft · built 1971
Lot Size	0.219 acres (9,583 sqft)
Owner	Company Name on File
Last Sale	$274,000 (Nov 2021)
Tax Bill	$4,990 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Nov 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`79872`

Property Details

APN / Parcel Number

Primary APN	`79872`
Alternative APN	`012630000103950070`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,220 sqft Heated Area
Gross Area	1,505 sqft
1st Floor Area	1,220 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
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
Porch	Open Porch
Porch Area	135 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	79872
Street Address	331 TENNESSEE AVE
City	SAINT CLOUD
State	FL
Zip	34769-2673
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE FRONT ADDN PB B PG 61 BLK 395 LOT 7 LESS N 12.5 FT & LESS S 25 FT
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	7
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3022
Census Tract	43400

Owner

Source: Osceola County records · APN 79872

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record	Company Name on File
Mailing Address	600 GALLERIA PKWY SE STE 300, 300, ATLANTA, GA 30339-8146
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2022	Deed of Trust, Mortgage · Unknown MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
Nov 22, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Aug 26, 2020	Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 22, 2021 · Amount on Record
Deed Sale	Nov 22, 2021 · Amount on Record
Prior Sale	Aug 26, 2020 · Amount on Record
Deed Document Number	2021181218
Deed Book / Page	6092 / 1022
Record Updated	Jun 08, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	331 TENNESSEE AVE, SAINT CLOUD, FL 34769-2673
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0062500917
Date	Jul 12, 2022
Book Page	6250/917
Instrument	2022107951

Lender

Name	MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
Type	Mortgage Company
Address	NEW YORK, NY 10036

Agreement

Type	Unknown
Amount	Amount Recorded

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 22, 2021
Property Address	331 TENNESSEE AVE, SAINT CLOUD, FL 34769-2673
Document Number	0060921022
Book / Page	6092 / 1022
Map Reference	MB B PG 61
Instrument Date	Nov 17, 2021
Instrument	2021181218
Transaction Type	Transfer
Record Updated	Dec 09, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$1,918.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	802 SPRUCEWOOD LN, 802, KISSIMMEE, FL 34743-9618

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1850 PARKWAY PL SE STE 900, 900, MARIETTA, GA 30067-8261
Investor	Possibly a Property Investor

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 26, 2020
Property Address	331 TENNESSEE AVE, SAINT CLOUD, FL 34769-2673
Document Number	0057810471
Book / Page	5781 / 471
Map Reference	MB B PG 61
Instrument Date	Aug 24, 2020
Instrument	2020112525
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	PREMIER TITLE OF CTRL FL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4507 MESA VERDE DR, 4507, SAINT CLOUD, FL 34769-1624

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	331 TENNESSEE AVE, SAINT CLOUD, FL 34769-2673
Investor	Possibly a Property Investor

Mortgage

Document Number	0005781473
Date	Aug 26, 2020
Instrument	5781/473

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,990.00 (+12.41%)	$278,600 (+9.04%) Land $60,000 Building $218,600	$278,600 (+9.04%) Land $60,000 Building $218,600
2023	$4,439.00 (+8.37%)	$255,500 (+12.51%) Land $55,000 Building $200,500	$255,500 (+12.51%) Land $55,000 Building $200,500
2022	$4,096.00	$227,100 Land $50,000 Building $177,100	$227,100 Land $50,000 Building $177,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970434003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 98 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	110 units insured 12 under condo master policies
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	3 of 24
Most Recent Claim	Sep 2022, river or lake flooding, Hurricane Ian
Claims By Storm	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 2 claims Hurricane Frances, Sep 2004 · 3 claims

Wildfire

Wildfire Risk	Low above 2% of the US · above 2% of Florida
Wildfire Likelihood	About 1 in 5,556 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 368 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	8,000 / 8,000
Spectrum	Cable	1,000 / 1,000

May also be available at this address: Verizon, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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