Osceola County property record for 338 Massachusetts Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,420 sqft · built 1948 |
| Lot Size | 0.339 acres (14,810 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $120,000 (Jan 2016) |
| Tax Bill | $4,357 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Jun 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 79990 |
| Primary APN | 79990 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,420 sqft Heated Area |
| Gross Area | 1,868 sqft |
| 1st Floor Area | 1,420 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 14,810 sqft (0.339 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Garage Type | Finished |
| Garage Area | 416 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 32 sqft |
| Fence | Fence |
| Utility Building | 66 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 79990 |
|---|---|
| Street Address | 338 MASSACHUSETTS AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2363 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | LAKE VIEW PARK PB 1 PG 159 BLK 405 LOTS 9 & 10 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND AND 3RD STREETS |
| Legal Tract | 1 |
| Legal Block | 405 |
| Legal Lot Number | 9-10 10 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 43500 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 338 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2363 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ANGEL OAK HOME LOANS LLC |
| Jun 13, 2019 | Deed of Trust, Mortgage · Line of Credit ADDITION FIN'L CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 8, 2016 · Amount on Record |
| Deed Sale | Jan 8, 2016 · Amount on Record |
| Prior Sale | Apr 22, 2005 · Amount on Record |
| Deed Document Number | 2016003875 |
| Deed Book / Page | 4897 / 0919 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 338 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2363 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 338 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2363 |
| Document Number | 0061140168 |
|---|---|
| Date | Dec 22, 2021 |
| Book Page | 6114/168 |
| Instrument | 2021197822 |
| Name | ANGEL OAK HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30328 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 338 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2363 |
| Document Number | 0055450738 |
| Instrument Date | Jun 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 4, 2019 |
| Title Company | MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SVCS INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 338 MASSACHUSETTS AVE ST CLOUD FL 347692363, ST CLOUD, FL 34769-2363 |
| Document Number | 0055450738 |
|---|---|
| Date | Jun 21, 2019 |
| Book Page | 005545/000738 |
| Instrument | 80141 |
| Name | ADDITION FIN'L CU |
|---|---|
| Address | MID FLORIDA, FL 32745 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 420 Months |
| Due | Jun 20, 2054 |
| Rate Type | Adjustable Rate |
|---|
Source: Osceola County assessment roll, as of July 1, 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 | $4,357.00 (+2.88%) Homeowner's exemption | $142,338 (+5.99%) | $304,500 (+15.47%) Land $66,000 Building $238,500 |
| 2023 | $4,235.00 (+1.9%) Homeowner's exemption | $134,299 (+3%) | $263,700 (+18.89%) Land $60,500 Building $203,200 |
| 2022 | $4,156.00 Homeowner's exemption | $130,388 | $221,800 Land $55,000 Building $166,800 |
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 X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
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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